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$8,539
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,804
−HK$270/mo
Today · 4.125%
HK$9,074
baseline
▲ 0.50% · 4.625%
HK$9,626
+HK$552/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,148/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$9,499
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,754
−HK$259/mo
Today · 4.125%
HK$10,013
baseline
▲ 0.50% · 4.625%
HK$10,540
+HK$527/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,026/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$10,247
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,565
−HK$324/mo
Today · 4.125%
HK$10,889
baseline
▲ 0.50% · 4.625%
HK$11,552
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,778/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,399
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,705
−HK$310/mo
Today · 4.125%
HK$12,015
baseline
▲ 0.50% · 4.625%
HK$12,648
+HK$633/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,030/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,954
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,326
−HK$378/mo
Today · 4.125%
HK$12,704
baseline
▲ 0.50% · 4.625%
HK$13,477
+HK$773/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,408/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$13,299
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,656
−HK$362/mo
Today · 4.125%
HK$14,018
baseline
▲ 0.50% · 4.625%
HK$14,757
+HK$739/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,036/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$15,370
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,848
−HK$486/mo
Today · 4.125%
HK$16,334
baseline
▲ 0.50% · 4.625%
HK$17,328
+HK$994/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$32,668/mo (50% DSR)
Upfront cash ≈ HK$375K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,099
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,558
−HK$465/mo
Today · 4.125%
HK$18,023
baseline
▲ 0.50% · 4.625%
HK$18,973
+HK$950/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$36,046/mo (50% DSR)
Upfront cash ≈ HK$375K (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).