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$8,523
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,789
−HK$269/mo
Today · 4.125%
HK$9,058
baseline
▲ 0.50% · 4.625%
HK$9,609
+HK$551/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,116/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$9,482
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,737
−HK$258/mo
Today · 4.125%
HK$9,995
baseline
▲ 0.50% · 4.625%
HK$10,521
+HK$526/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,990/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$10,228
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,546
−HK$324/mo
Today · 4.125%
HK$10,870
baseline
▲ 0.50% · 4.625%
HK$11,531
+HK$661/mo
Deposit HK$1.50M · loan HK$2.24M · min. income ≈ HK$21,740/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$11,379
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,684
−HK$310/mo
Today · 4.125%
HK$11,994
baseline
▲ 0.50% · 4.625%
HK$12,626
+HK$632/mo
Deposit HK$1.50M · loan HK$2.24M · min. income ≈ HK$23,988/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$11,933
−HK$748/mo
▼ 0.25% · 3.875%
HK$12,304
−HK$377/mo
Today · 4.125%
HK$12,681
baseline
▲ 0.50% · 4.625%
HK$13,453
+HK$772/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,362/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$13,275
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,631
−HK$361/mo
Today · 4.125%
HK$13,992
baseline
▲ 0.50% · 4.625%
HK$14,730
+HK$738/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$27,984/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$15,342
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,820
−HK$484/mo
Today · 4.125%
HK$16,304
baseline
▲ 0.50% · 4.625%
HK$17,296
+HK$992/mo
Deposit HK$374K · loan HK$3.36M · min. income ≈ HK$32,608/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$17,068
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,526
−HK$464/mo
Today · 4.125%
HK$17,990
baseline
▲ 0.50% · 4.625%
HK$18,939
+HK$949/mo
Deposit HK$374K · loan HK$3.36M · min. income ≈ HK$35,980/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).