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$8,779
−HK$269/mo
Today · 4.125%
HK$9,048
baseline
▲ 0.50% · 4.625%
HK$9,599
+HK$551/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$9,472
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,726
−HK$258/mo
Today · 4.125%
HK$9,984
baseline
▲ 0.50% · 4.625%
HK$10,510
+HK$526/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,968/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$10,217
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,535
−HK$323/mo
Today · 4.125%
HK$10,858
baseline
▲ 0.50% · 4.625%
HK$11,519
+HK$661/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,716/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$11,367
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,671
−HK$310/mo
Today · 4.125%
HK$11,981
baseline
▲ 0.50% · 4.625%
HK$12,612
+HK$631/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,962/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$11,920
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,291
−HK$377/mo
Today · 4.125%
HK$12,668
baseline
▲ 0.50% · 4.625%
HK$13,438
+HK$770/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,336/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$13,261
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,617
−HK$360/mo
Today · 4.125%
HK$13,977
baseline
▲ 0.50% · 4.625%
HK$14,714
+HK$737/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,954/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$15,326
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,803
−HK$484/mo
Today · 4.125%
HK$16,287
baseline
▲ 0.50% · 4.625%
HK$17,278
+HK$991/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$32,574/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$17,050
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,507
−HK$464/mo
Today · 4.125%
HK$17,971
baseline
▲ 0.50% · 4.625%
HK$18,918
+HK$947/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$35,942/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).