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$8,535
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,801
−HK$269/mo
Today · 4.125%
HK$9,070
baseline
▲ 0.50% · 4.625%
HK$9,622
+HK$552/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,140/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$9,495
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,750
−HK$258/mo
Today · 4.125%
HK$10,008
baseline
▲ 0.50% · 4.625%
HK$10,536
+HK$528/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,016/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$10,242
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,561
−HK$324/mo
Today · 4.125%
HK$10,885
baseline
▲ 0.50% · 4.625%
HK$11,547
+HK$662/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,770/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$11,394
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,700
−HK$310/mo
Today · 4.125%
HK$12,010
baseline
▲ 0.50% · 4.625%
HK$12,643
+HK$633/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,020/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$11,949
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,321
−HK$378/mo
Today · 4.125%
HK$12,699
baseline
▲ 0.50% · 4.625%
HK$13,471
+HK$772/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,398/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$13,294
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,650
−HK$362/mo
Today · 4.125%
HK$14,012
baseline
▲ 0.50% · 4.625%
HK$14,750
+HK$738/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,024/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$15,363
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,841
−HK$486/mo
Today · 4.125%
HK$16,327
baseline
▲ 0.50% · 4.625%
HK$17,320
+HK$993/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$32,654/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$17,092
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,550
−HK$465/mo
Today · 4.125%
HK$18,015
baseline
▲ 0.50% · 4.625%
HK$18,965
+HK$950/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$36,030/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).