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$8,509
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,774
−HK$268/mo
Today · 4.125%
HK$9,042
baseline
▲ 0.50% · 4.625%
HK$9,593
+HK$551/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,084/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$9,466
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,720
−HK$257/mo
Today · 4.125%
HK$9,977
baseline
▲ 0.50% · 4.625%
HK$10,503
+HK$526/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,954/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$10,211
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,528
−HK$323/mo
Today · 4.125%
HK$10,851
baseline
▲ 0.50% · 4.625%
HK$11,511
+HK$660/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,702/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$11,359
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,664
−HK$309/mo
Today · 4.125%
HK$11,973
baseline
▲ 0.50% · 4.625%
HK$12,604
+HK$631/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,946/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$11,912
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,283
−HK$376/mo
Today · 4.125%
HK$12,659
baseline
▲ 0.50% · 4.625%
HK$13,430
+HK$771/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,318/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$13,252
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,608
−HK$360/mo
Today · 4.125%
HK$13,968
baseline
▲ 0.50% · 4.625%
HK$14,705
+HK$737/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,936/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$15,316
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,792
−HK$484/mo
Today · 4.125%
HK$16,276
baseline
▲ 0.50% · 4.625%
HK$17,267
+HK$991/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$32,552/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$17,039
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,496
−HK$463/mo
Today · 4.125%
HK$17,959
baseline
▲ 0.50% · 4.625%
HK$18,906
+HK$947/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$35,918/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).