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$8,508
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,773
−HK$268/mo
Today · 4.125%
HK$9,041
baseline
▲ 0.50% · 4.625%
HK$9,592
+HK$551/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,082/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$9,465
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,719
−HK$257/mo
Today · 4.125%
HK$9,976
baseline
▲ 0.50% · 4.625%
HK$10,502
+HK$526/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,952/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$10,209
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,527
−HK$323/mo
Today · 4.125%
HK$10,850
baseline
▲ 0.50% · 4.625%
HK$11,510
+HK$660/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,700/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$11,358
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,663
−HK$309/mo
Today · 4.125%
HK$11,972
baseline
▲ 0.50% · 4.625%
HK$12,603
+HK$631/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,944/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$11,911
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,282
−HK$376/mo
Today · 4.125%
HK$12,658
baseline
▲ 0.50% · 4.625%
HK$13,428
+HK$770/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,316/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$13,251
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,606
−HK$361/mo
Today · 4.125%
HK$13,967
baseline
▲ 0.50% · 4.625%
HK$14,703
+HK$736/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,934/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$15,314
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,791
−HK$484/mo
Today · 4.125%
HK$16,275
baseline
▲ 0.50% · 4.625%
HK$17,265
+HK$990/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$32,550/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$17,037
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,494
−HK$463/mo
Today · 4.125%
HK$17,957
baseline
▲ 0.50% · 4.625%
HK$18,904
+HK$947/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$35,914/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).