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$8,513
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,778
−HK$269/mo
Today · 4.125%
HK$9,047
baseline
▲ 0.50% · 4.625%
HK$9,598
+HK$551/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,094/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$9,471
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,725
−HK$258/mo
Today · 4.125%
HK$9,983
baseline
▲ 0.50% · 4.625%
HK$10,509
+HK$526/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,966/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$10,216
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,534
−HK$323/mo
Today · 4.125%
HK$10,857
baseline
▲ 0.50% · 4.625%
HK$11,517
+HK$660/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,714/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$11,365
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,670
−HK$309/mo
Today · 4.125%
HK$11,979
baseline
▲ 0.50% · 4.625%
HK$12,611
+HK$632/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,958/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$11,919
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,289
−HK$377/mo
Today · 4.125%
HK$12,666
baseline
▲ 0.50% · 4.625%
HK$13,437
+HK$771/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,332/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$13,259
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,615
−HK$361/mo
Today · 4.125%
HK$13,976
baseline
▲ 0.50% · 4.625%
HK$14,712
+HK$736/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,952/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$15,324
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,801
−HK$484/mo
Today · 4.125%
HK$16,285
baseline
▲ 0.50% · 4.625%
HK$17,276
+HK$991/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$32,570/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$17,048
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,505
−HK$464/mo
Today · 4.125%
HK$17,969
baseline
▲ 0.50% · 4.625%
HK$18,916
+HK$947/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$35,938/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).