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$8,525
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,790
−HK$270/mo
Today · 4.125%
HK$9,060
baseline
▲ 0.50% · 4.625%
HK$9,611
+HK$551/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,120/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$9,484
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,739
−HK$258/mo
Today · 4.125%
HK$9,997
baseline
▲ 0.50% · 4.625%
HK$10,523
+HK$526/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,994/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$10,230
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,548
−HK$324/mo
Today · 4.125%
HK$10,872
baseline
▲ 0.50% · 4.625%
HK$11,533
+HK$661/mo
Deposit HK$1.50M · loan HK$2.24M · min. income ≈ HK$21,744/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$11,381
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,686
−HK$310/mo
Today · 4.125%
HK$11,996
baseline
▲ 0.50% · 4.625%
HK$12,628
+HK$632/mo
Deposit HK$1.50M · loan HK$2.24M · min. income ≈ HK$23,992/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$11,935
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,306
−HK$378/mo
Today · 4.125%
HK$12,684
baseline
▲ 0.50% · 4.625%
HK$13,455
+HK$771/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,368/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$13,278
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,634
−HK$361/mo
Today · 4.125%
HK$13,995
baseline
▲ 0.50% · 4.625%
HK$14,733
+HK$738/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$27,990/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$15,345
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,823
−HK$485/mo
Today · 4.125%
HK$16,308
baseline
▲ 0.50% · 4.625%
HK$17,300
+HK$992/mo
Deposit HK$374K · loan HK$3.36M · min. income ≈ HK$32,616/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$17,071
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,529
−HK$465/mo
Today · 4.125%
HK$17,994
baseline
▲ 0.50% · 4.625%
HK$18,942
+HK$948/mo
Deposit HK$374K · loan HK$3.36M · min. income ≈ HK$35,988/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).