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$8,506
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,770
−HK$269/mo
Today · 4.125%
HK$9,039
baseline
▲ 0.50% · 4.625%
HK$9,589
+HK$550/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,078/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$9,462
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,716
−HK$258/mo
Today · 4.125%
HK$9,974
baseline
▲ 0.50% · 4.625%
HK$10,499
+HK$525/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,948/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$10,207
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,524
−HK$323/mo
Today · 4.125%
HK$10,847
baseline
▲ 0.50% · 4.625%
HK$11,507
+HK$660/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,694/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$11,355
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,660
−HK$308/mo
Today · 4.125%
HK$11,968
baseline
▲ 0.50% · 4.625%
HK$12,599
+HK$631/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,936/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$11,908
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,278
−HK$377/mo
Today · 4.125%
HK$12,655
baseline
▲ 0.50% · 4.625%
HK$13,425
+HK$770/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,310/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$13,247
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,603
−HK$360/mo
Today · 4.125%
HK$13,963
baseline
▲ 0.50% · 4.625%
HK$14,699
+HK$736/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,926/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$15,310
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,786
−HK$484/mo
Today · 4.125%
HK$16,270
baseline
▲ 0.50% · 4.625%
HK$17,260
+HK$990/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$32,540/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$17,032
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,489
−HK$464/mo
Today · 4.125%
HK$17,953
baseline
▲ 0.50% · 4.625%
HK$18,899
+HK$946/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$35,906/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).