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$8,536
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,802
−HK$270/mo
Today · 4.125%
HK$9,072
baseline
▲ 0.50% · 4.625%
HK$9,624
+HK$552/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,144/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$9,497
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,751
−HK$259/mo
Today · 4.125%
HK$10,010
baseline
▲ 0.50% · 4.625%
HK$10,537
+HK$527/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,020/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$10,244
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,562
−HK$324/mo
Today · 4.125%
HK$10,886
baseline
▲ 0.50% · 4.625%
HK$11,548
+HK$662/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,772/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$11,396
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,702
−HK$310/mo
Today · 4.125%
HK$12,012
baseline
▲ 0.50% · 4.625%
HK$12,645
+HK$633/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,024/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$11,951
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,323
−HK$377/mo
Today · 4.125%
HK$12,700
baseline
▲ 0.50% · 4.625%
HK$13,473
+HK$773/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,400/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$13,295
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,652
−HK$362/mo
Today · 4.125%
HK$14,014
baseline
▲ 0.50% · 4.625%
HK$14,752
+HK$738/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,028/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$15,366
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,843
−HK$486/mo
Today · 4.125%
HK$16,329
baseline
▲ 0.50% · 4.625%
HK$17,323
+HK$994/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$32,658/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$17,094
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,552
−HK$466/mo
Today · 4.125%
HK$18,018
baseline
▲ 0.50% · 4.625%
HK$18,967
+HK$949/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$36,036/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).