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$8,532
−HK$535/mo
▼ 0.25% · 3.875%
HK$8,798
−HK$269/mo
Today · 4.125%
HK$9,067
baseline
▲ 0.50% · 4.625%
HK$9,619
+HK$552/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,134/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$9,492
−HK$513/mo
▼ 0.25% · 3.875%
HK$9,746
−HK$259/mo
Today · 4.125%
HK$10,005
baseline
▲ 0.50% · 4.625%
HK$10,532
+HK$527/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$20,010/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$10,239
−HK$642/mo
▼ 0.25% · 3.875%
HK$10,557
−HK$324/mo
Today · 4.125%
HK$10,881
baseline
▲ 0.50% · 4.625%
HK$11,543
+HK$662/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$21,762/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$11,390
−HK$616/mo
▼ 0.25% · 3.875%
HK$11,696
−HK$310/mo
Today · 4.125%
HK$12,006
baseline
▲ 0.50% · 4.625%
HK$12,638
+HK$632/mo
Deposit HK$1.50M · loan HK$2.25M · min. income ≈ HK$24,012/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$11,945
−HK$749/mo
▼ 0.25% · 3.875%
HK$12,317
−HK$377/mo
Today · 4.125%
HK$12,694
baseline
▲ 0.50% · 4.625%
HK$13,466
+HK$772/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$25,388/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$13,289
−HK$718/mo
▼ 0.25% · 3.875%
HK$13,645
−HK$362/mo
Today · 4.125%
HK$14,007
baseline
▲ 0.50% · 4.625%
HK$14,745
+HK$738/mo
Deposit HK$1.12M · loan HK$2.62M · min. income ≈ HK$28,014/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$15,358
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,836
−HK$485/mo
Today · 4.125%
HK$16,321
baseline
▲ 0.50% · 4.625%
HK$17,314
+HK$993/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$32,642/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$17,085
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,544
−HK$464/mo
Today · 4.125%
HK$18,008
baseline
▲ 0.50% · 4.625%
HK$18,958
+HK$950/mo
Deposit HK$374K · loan HK$3.37M · min. income ≈ HK$36,016/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).