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$8,514
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,778
−HK$270/mo
Today · 4.125%
HK$9,048
baseline
▲ 0.50% · 4.625%
HK$9,598
+HK$550/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,096/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$9,471
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,725
−HK$258/mo
Today · 4.125%
HK$9,983
baseline
▲ 0.50% · 4.625%
HK$10,509
+HK$526/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,966/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$10,216
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,534
−HK$323/mo
Today · 4.125%
HK$10,857
baseline
▲ 0.50% · 4.625%
HK$11,518
+HK$661/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,714/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$11,366
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,670
−HK$310/mo
Today · 4.125%
HK$11,980
baseline
▲ 0.50% · 4.625%
HK$12,611
+HK$631/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,960/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$11,919
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,290
−HK$377/mo
Today · 4.125%
HK$12,667
baseline
▲ 0.50% · 4.625%
HK$13,437
+HK$770/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,334/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$13,260
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,615
−HK$361/mo
Today · 4.125%
HK$13,976
baseline
▲ 0.50% · 4.625%
HK$14,713
+HK$737/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,952/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$15,325
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,801
−HK$485/mo
Today · 4.125%
HK$16,286
baseline
▲ 0.50% · 4.625%
HK$17,276
+HK$990/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$32,572/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$17,048
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,506
−HK$463/mo
Today · 4.125%
HK$17,969
baseline
▲ 0.50% · 4.625%
HK$18,917
+HK$948/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$35,938/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).