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$8,524
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,789
−HK$270/mo
Today · 4.125%
HK$9,059
baseline
▲ 0.50% · 4.625%
HK$9,610
+HK$551/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,118/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$9,483
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,737
−HK$258/mo
Today · 4.125%
HK$9,995
baseline
▲ 0.50% · 4.625%
HK$10,522
+HK$527/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,990/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$10,229
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,547
−HK$324/mo
Today · 4.125%
HK$10,871
baseline
▲ 0.50% · 4.625%
HK$11,532
+HK$661/mo
Deposit HK$1.50M · loan HK$2.24M · min. income ≈ HK$21,742/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$11,380
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,685
−HK$310/mo
Today · 4.125%
HK$11,995
baseline
▲ 0.50% · 4.625%
HK$12,627
+HK$632/mo
Deposit HK$1.50M · loan HK$2.24M · min. income ≈ HK$23,990/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$11,934
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,305
−HK$377/mo
Today · 4.125%
HK$12,682
baseline
▲ 0.50% · 4.625%
HK$13,454
+HK$772/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,364/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$13,276
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,632
−HK$362/mo
Today · 4.125%
HK$13,994
baseline
▲ 0.50% · 4.625%
HK$14,731
+HK$737/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$27,988/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$15,344
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,821
−HK$485/mo
Today · 4.125%
HK$16,306
baseline
▲ 0.50% · 4.625%
HK$17,298
+HK$992/mo
Deposit HK$374K · loan HK$3.36M · min. income ≈ HK$32,612/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$17,070
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,527
−HK$465/mo
Today · 4.125%
HK$17,992
baseline
▲ 0.50% · 4.625%
HK$18,940
+HK$948/mo
Deposit HK$374K · loan HK$3.36M · min. income ≈ HK$35,984/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).