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$8,538
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,803
−HK$270/mo
Today · 4.125%
HK$9,073
baseline
▲ 0.50% · 4.625%
HK$9,625
+HK$552/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,146/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$9,498
−HK$514/mo
▼ 0.25% · 3.875%
HK$9,753
−HK$259/mo
Today · 4.125%
HK$10,012
baseline
▲ 0.50% · 4.625%
HK$10,539
+HK$527/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,024/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$10,245
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,564
−HK$324/mo
Today · 4.125%
HK$10,888
baseline
▲ 0.50% · 4.625%
HK$11,550
+HK$662/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,776/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$11,398
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,704
−HK$310/mo
Today · 4.125%
HK$12,014
baseline
▲ 0.50% · 4.625%
HK$12,647
+HK$633/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,028/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$11,953
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,325
−HK$378/mo
Today · 4.125%
HK$12,703
baseline
▲ 0.50% · 4.625%
HK$13,476
+HK$773/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,406/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$13,298
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,654
−HK$362/mo
Today · 4.125%
HK$14,016
baseline
▲ 0.50% · 4.625%
HK$14,755
+HK$739/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,032/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$15,368
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,846
−HK$486/mo
Today · 4.125%
HK$16,332
baseline
▲ 0.50% · 4.625%
HK$17,326
+HK$994/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$32,664/mo (50% DSR)
Upfront cash ≈ HK$375K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,097
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,556
−HK$465/mo
Today · 4.125%
HK$18,021
baseline
▲ 0.50% · 4.625%
HK$18,971
+HK$950/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$36,042/mo (50% DSR)
Upfront cash ≈ HK$375K (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).