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$8,528
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,793
−HK$270/mo
Today · 4.125%
HK$9,063
baseline
▲ 0.50% · 4.625%
HK$9,614
+HK$551/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,126/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$9,487
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,742
−HK$258/mo
Today · 4.125%
HK$10,000
baseline
▲ 0.50% · 4.625%
HK$10,527
+HK$527/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,000/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$10,233
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,552
−HK$323/mo
Today · 4.125%
HK$10,875
baseline
▲ 0.50% · 4.625%
HK$11,537
+HK$662/mo
Deposit HK$1.50M · loan HK$2.24M · min. income ≈ HK$21,750/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$11,385
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,690
−HK$310/mo
Today · 4.125%
HK$12,000
baseline
▲ 0.50% · 4.625%
HK$12,632
+HK$632/mo
Deposit HK$1.50M · loan HK$2.24M · min. income ≈ HK$24,000/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$11,939
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,310
−HK$378/mo
Today · 4.125%
HK$12,688
baseline
▲ 0.50% · 4.625%
HK$13,460
+HK$772/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,376/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$13,282
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,638
−HK$362/mo
Today · 4.125%
HK$14,000
baseline
▲ 0.50% · 4.625%
HK$14,738
+HK$738/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,000/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$15,350
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,828
−HK$485/mo
Today · 4.125%
HK$16,313
baseline
▲ 0.50% · 4.625%
HK$17,305
+HK$992/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$32,626/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$17,077
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,535
−HK$464/mo
Today · 4.125%
HK$17,999
baseline
▲ 0.50% · 4.625%
HK$18,948
+HK$949/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$35,998/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).