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$8,539
−HK$536/mo
▼ 0.25% · 3.875%
HK$8,805
−HK$270/mo
Today · 4.125%
HK$9,075
baseline
▲ 0.50% · 4.625%
HK$9,627
+HK$552/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,150/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$9,500
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,755
−HK$258/mo
Today · 4.125%
HK$10,013
baseline
▲ 0.50% · 4.625%
HK$10,541
+HK$528/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,026/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$10,247
−HK$643/mo
▼ 0.25% · 3.875%
HK$10,566
−HK$324/mo
Today · 4.125%
HK$10,890
baseline
▲ 0.50% · 4.625%
HK$11,553
+HK$663/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,780/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$11,400
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,706
−HK$310/mo
Today · 4.125%
HK$12,016
baseline
▲ 0.50% · 4.625%
HK$12,649
+HK$633/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,032/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$11,955
−HK$750/mo
▼ 0.25% · 3.875%
HK$12,327
−HK$378/mo
Today · 4.125%
HK$12,705
baseline
▲ 0.50% · 4.625%
HK$13,478
+HK$773/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,410/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$13,300
−HK$719/mo
▼ 0.25% · 3.875%
HK$13,657
−HK$362/mo
Today · 4.125%
HK$14,019
baseline
▲ 0.50% · 4.625%
HK$14,758
+HK$739/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,038/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$15,371
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,849
−HK$486/mo
Today · 4.125%
HK$16,335
baseline
▲ 0.50% · 4.625%
HK$17,329
+HK$994/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$32,670/mo (50% DSR)
Upfront cash ≈ HK$375K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,100
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,559
−HK$465/mo
Today · 4.125%
HK$18,024
baseline
▲ 0.50% · 4.625%
HK$18,974
+HK$950/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$36,048/mo (50% DSR)
Upfront cash ≈ HK$375K (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).