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$8,519
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,784
−HK$269/mo
Today · 4.125%
HK$9,053
baseline
▲ 0.50% · 4.625%
HK$9,604
+HK$551/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,106/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$9,477
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,732
−HK$257/mo
Today · 4.125%
HK$9,989
baseline
▲ 0.50% · 4.625%
HK$10,516
+HK$527/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,978/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$10,223
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,541
−HK$323/mo
Today · 4.125%
HK$10,864
baseline
▲ 0.50% · 4.625%
HK$11,525
+HK$661/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,728/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$11,373
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,678
−HK$309/mo
Today · 4.125%
HK$11,987
baseline
▲ 0.50% · 4.625%
HK$12,619
+HK$632/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,974/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$11,927
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,298
−HK$377/mo
Today · 4.125%
HK$12,675
baseline
▲ 0.50% · 4.625%
HK$13,446
+HK$771/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,350/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$13,268
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,624
−HK$361/mo
Today · 4.125%
HK$13,985
baseline
▲ 0.50% · 4.625%
HK$14,722
+HK$737/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$27,970/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$15,334
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,811
−HK$485/mo
Today · 4.125%
HK$16,296
baseline
▲ 0.50% · 4.625%
HK$17,288
+HK$992/mo
Deposit HK$374K · loan HK$3.36M · min. income ≈ HK$32,592/mo (50% DSR)
Upfront cash ≈ HK$374K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,059
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,517
−HK$464/mo
Today · 4.125%
HK$17,981
baseline
▲ 0.50% · 4.625%
HK$18,929
+HK$948/mo
Deposit HK$374K · loan HK$3.36M · min. income ≈ HK$35,962/mo (50% DSR)
Upfront cash ≈ HK$374K (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).