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$8,516
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,781
−HK$269/mo
Today · 4.125%
HK$9,050
baseline
▲ 0.50% · 4.625%
HK$9,601
+HK$551/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,100/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$9,474
−HK$512/mo
▼ 0.25% · 3.875%
HK$9,728
−HK$258/mo
Today · 4.125%
HK$9,986
baseline
▲ 0.50% · 4.625%
HK$10,512
+HK$526/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,972/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$10,219
−HK$641/mo
▼ 0.25% · 3.875%
HK$10,537
−HK$323/mo
Today · 4.125%
HK$10,860
baseline
▲ 0.50% · 4.625%
HK$11,521
+HK$661/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,720/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$11,369
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,673
−HK$310/mo
Today · 4.125%
HK$11,983
baseline
▲ 0.50% · 4.625%
HK$12,614
+HK$631/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,966/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$11,922
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,293
−HK$377/mo
Today · 4.125%
HK$12,670
baseline
▲ 0.50% · 4.625%
HK$13,441
+HK$771/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,340/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$13,263
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,619
−HK$361/mo
Today · 4.125%
HK$13,980
baseline
▲ 0.50% · 4.625%
HK$14,717
+HK$737/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,960/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$15,328
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,805
−HK$485/mo
Today · 4.125%
HK$16,290
baseline
▲ 0.50% · 4.625%
HK$17,281
+HK$991/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$32,580/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$17,053
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,510
−HK$464/mo
Today · 4.125%
HK$17,974
baseline
▲ 0.50% · 4.625%
HK$18,922
+HK$948/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$35,948/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).