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$8,527
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,793
−HK$269/mo
Today · 4.125%
HK$9,062
baseline
▲ 0.50% · 4.625%
HK$9,613
+HK$551/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,124/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$9,487
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,741
−HK$258/mo
Today · 4.125%
HK$9,999
baseline
▲ 0.50% · 4.625%
HK$10,526
+HK$527/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,998/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$10,233
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,551
−HK$323/mo
Today · 4.125%
HK$10,874
baseline
▲ 0.50% · 4.625%
HK$11,536
+HK$662/mo
Deposit HK$1.50M · loan HK$2.24M · min. income ≈ HK$21,748/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$11,384
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,689
−HK$310/mo
Today · 4.125%
HK$11,999
baseline
▲ 0.50% · 4.625%
HK$12,631
+HK$632/mo
Deposit HK$1.50M · loan HK$2.24M · min. income ≈ HK$23,998/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$11,938
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,310
−HK$377/mo
Today · 4.125%
HK$12,687
baseline
▲ 0.50% · 4.625%
HK$13,459
+HK$772/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,374/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$13,281
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,637
−HK$362/mo
Today · 4.125%
HK$13,999
baseline
▲ 0.50% · 4.625%
HK$14,737
+HK$738/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$27,998/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$15,349
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,827
−HK$485/mo
Today · 4.125%
HK$16,312
baseline
▲ 0.50% · 4.625%
HK$17,304
+HK$992/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$32,624/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$17,076
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,534
−HK$464/mo
Today · 4.125%
HK$17,998
baseline
▲ 0.50% · 4.625%
HK$18,947
+HK$949/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$35,996/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).