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$8,515
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,780
−HK$269/mo
Today · 4.125%
HK$9,049
baseline
▲ 0.50% · 4.625%
HK$9,600
+HK$551/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,098/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$9,473
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,727
−HK$258/mo
Today · 4.125%
HK$9,985
baseline
▲ 0.50% · 4.625%
HK$10,511
+HK$526/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,970/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$10,218
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,536
−HK$323/mo
Today · 4.125%
HK$10,859
baseline
▲ 0.50% · 4.625%
HK$11,520
+HK$661/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,718/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$11,368
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,673
−HK$309/mo
Today · 4.125%
HK$11,982
baseline
▲ 0.50% · 4.625%
HK$12,614
+HK$632/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,964/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$11,921
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,292
−HK$377/mo
Today · 4.125%
HK$12,669
baseline
▲ 0.50% · 4.625%
HK$13,440
+HK$771/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,338/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$13,262
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,618
−HK$361/mo
Today · 4.125%
HK$13,979
baseline
▲ 0.50% · 4.625%
HK$14,716
+HK$737/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,958/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$15,328
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,804
−HK$485/mo
Today · 4.125%
HK$16,289
baseline
▲ 0.50% · 4.625%
HK$17,280
+HK$991/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$32,578/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$17,052
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,509
−HK$464/mo
Today · 4.125%
HK$17,973
baseline
▲ 0.50% · 4.625%
HK$18,920
+HK$947/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$35,946/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).