The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$8,510
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,775
−HK$269/mo
Today · 4.125%
HK$9,044
baseline
▲ 0.50% · 4.625%
HK$9,594
+HK$550/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,088/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,468
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,722
−HK$257/mo
Today · 4.125%
HK$9,979
baseline
▲ 0.50% · 4.625%
HK$10,505
+HK$526/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,958/mo (50% DSR)
Upfront cash ≈ HK$1.87M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,212
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,530
−HK$323/mo
Today · 4.125%
HK$10,853
baseline
▲ 0.50% · 4.625%
HK$11,513
+HK$660/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,706/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,361
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,666
−HK$309/mo
Today · 4.125%
HK$11,975
baseline
▲ 0.50% · 4.625%
HK$12,606
+HK$631/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,950/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,915
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,285
−HK$377/mo
Today · 4.125%
HK$12,662
baseline
▲ 0.50% · 4.625%
HK$13,432
+HK$770/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,324/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,255
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,610
−HK$361/mo
Today · 4.125%
HK$13,971
baseline
▲ 0.50% · 4.625%
HK$14,707
+HK$736/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,942/mo (50% DSR)
Upfront cash ≈ HK$1.12M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,319
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,795
−HK$484/mo
Today · 4.125%
HK$16,279
baseline
▲ 0.50% · 4.625%
HK$17,270
+HK$991/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$32,558/mo (50% DSR)
Upfront cash ≈ HK$373K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,042
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,499
−HK$464/mo
Today · 4.125%
HK$17,963
baseline
▲ 0.50% · 4.625%
HK$18,909
+HK$946/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$35,926/mo (50% DSR)
Upfront cash ≈ HK$373K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).