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$8,522
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,788
−HK$269/mo
Today · 4.125%
HK$9,057
baseline
▲ 0.50% · 4.625%
HK$9,608
+HK$551/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,114/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$9,481
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,735
−HK$258/mo
Today · 4.125%
HK$9,993
baseline
▲ 0.50% · 4.625%
HK$10,520
+HK$527/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,986/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$10,227
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,545
−HK$323/mo
Today · 4.125%
HK$10,868
baseline
▲ 0.50% · 4.625%
HK$11,530
+HK$662/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,736/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$11,377
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,682
−HK$310/mo
Today · 4.125%
HK$11,992
baseline
▲ 0.50% · 4.625%
HK$12,624
+HK$632/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,984/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$11,931
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,303
−HK$377/mo
Today · 4.125%
HK$12,680
baseline
▲ 0.50% · 4.625%
HK$13,451
+HK$771/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,360/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$13,274
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,630
−HK$361/mo
Today · 4.125%
HK$13,991
baseline
▲ 0.50% · 4.625%
HK$14,728
+HK$737/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$27,982/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$15,340
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,818
−HK$484/mo
Today · 4.125%
HK$16,302
baseline
▲ 0.50% · 4.625%
HK$17,294
+HK$992/mo
Deposit HK$374K · loan HK$3.36M · min. income ≈ HK$32,604/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$17,066
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,524
−HK$464/mo
Today · 4.125%
HK$17,988
baseline
▲ 0.50% · 4.625%
HK$18,936
+HK$948/mo
Deposit HK$374K · loan HK$3.36M · min. income ≈ HK$35,976/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).