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$8,529
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,794
−HK$270/mo
Today · 4.125%
HK$9,064
baseline
▲ 0.50% · 4.625%
HK$9,615
+HK$551/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,128/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$9,488
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,743
−HK$258/mo
Today · 4.125%
HK$10,001
baseline
▲ 0.50% · 4.625%
HK$10,528
+HK$527/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,002/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$10,235
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,553
−HK$323/mo
Today · 4.125%
HK$10,876
baseline
▲ 0.50% · 4.625%
HK$11,538
+HK$662/mo
Deposit HK$1.50M · loan HK$2.24M · min. income ≈ HK$21,752/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$11,386
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,691
−HK$310/mo
Today · 4.125%
HK$12,001
baseline
▲ 0.50% · 4.625%
HK$12,634
+HK$633/mo
Deposit HK$1.50M · loan HK$2.24M · min. income ≈ HK$24,002/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$11,940
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,312
−HK$377/mo
Today · 4.125%
HK$12,689
baseline
▲ 0.50% · 4.625%
HK$13,461
+HK$772/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,378/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$13,284
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,640
−HK$361/mo
Today · 4.125%
HK$14,001
baseline
▲ 0.50% · 4.625%
HK$14,739
+HK$738/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,002/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$15,352
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,829
−HK$486/mo
Today · 4.125%
HK$16,315
baseline
▲ 0.50% · 4.625%
HK$17,307
+HK$992/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$32,630/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$17,079
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,537
−HK$465/mo
Today · 4.125%
HK$18,002
baseline
▲ 0.50% · 4.625%
HK$18,950
+HK$948/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$36,004/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).