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$8,520
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,785
−HK$270/mo
Today · 4.125%
HK$9,055
baseline
▲ 0.50% · 4.625%
HK$9,606
+HK$551/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,110/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$9,479
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,733
−HK$258/mo
Today · 4.125%
HK$9,991
baseline
▲ 0.50% · 4.625%
HK$10,518
+HK$527/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,982/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$10,224
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,542
−HK$324/mo
Today · 4.125%
HK$10,866
baseline
▲ 0.50% · 4.625%
HK$11,527
+HK$661/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,732/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$11,375
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,680
−HK$309/mo
Today · 4.125%
HK$11,989
baseline
▲ 0.50% · 4.625%
HK$12,621
+HK$632/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,978/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$11,929
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,300
−HK$377/mo
Today · 4.125%
HK$12,677
baseline
▲ 0.50% · 4.625%
HK$13,448
+HK$771/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,354/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$13,270
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,626
−HK$361/mo
Today · 4.125%
HK$13,987
baseline
▲ 0.50% · 4.625%
HK$14,725
+HK$738/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$27,974/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$15,337
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,814
−HK$484/mo
Today · 4.125%
HK$16,298
baseline
▲ 0.50% · 4.625%
HK$17,290
+HK$992/mo
Deposit HK$374K · loan HK$3.36M · min. income ≈ HK$32,596/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$17,062
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,520
−HK$464/mo
Today · 4.125%
HK$17,984
baseline
▲ 0.50% · 4.625%
HK$18,932
+HK$948/mo
Deposit HK$374K · loan HK$3.36M · min. income ≈ HK$35,968/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).