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$8,524
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,790
−HK$269/mo
Today · 4.125%
HK$9,059
baseline
▲ 0.50% · 4.625%
HK$9,610
+HK$551/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,118/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$9,483
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,738
−HK$258/mo
Today · 4.125%
HK$9,996
baseline
▲ 0.50% · 4.625%
HK$10,523
+HK$527/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,992/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$10,229
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,548
−HK$323/mo
Today · 4.125%
HK$10,871
baseline
▲ 0.50% · 4.625%
HK$11,532
+HK$661/mo
Deposit HK$1.50M · loan HK$2.24M · min. income ≈ HK$21,742/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$11,380
−HK$615/mo
▼ 0.25% · 3.875%
HK$11,685
−HK$310/mo
Today · 4.125%
HK$11,995
baseline
▲ 0.50% · 4.625%
HK$12,627
+HK$632/mo
Deposit HK$1.50M · loan HK$2.24M · min. income ≈ HK$23,990/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$11,934
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,305
−HK$378/mo
Today · 4.125%
HK$12,683
baseline
▲ 0.50% · 4.625%
HK$13,454
+HK$771/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,366/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$13,277
−HK$717/mo
▼ 0.25% · 3.875%
HK$13,633
−HK$361/mo
Today · 4.125%
HK$13,994
baseline
▲ 0.50% · 4.625%
HK$14,732
+HK$738/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$27,988/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$15,344
−HK$962/mo
▼ 0.25% · 3.875%
HK$15,821
−HK$485/mo
Today · 4.125%
HK$16,306
baseline
▲ 0.50% · 4.625%
HK$17,298
+HK$992/mo
Deposit HK$374K · loan HK$3.36M · min. income ≈ HK$32,612/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$17,070
−HK$922/mo
▼ 0.25% · 3.875%
HK$17,528
−HK$464/mo
Today · 4.125%
HK$17,992
baseline
▲ 0.50% · 4.625%
HK$18,941
+HK$949/mo
Deposit HK$374K · loan HK$3.36M · min. income ≈ HK$35,984/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).