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$8,507
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,771
−HK$269/mo
Today · 4.125%
HK$9,040
baseline
▲ 0.50% · 4.625%
HK$9,590
+HK$550/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,080/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$9,464
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,717
−HK$258/mo
Today · 4.125%
HK$9,975
baseline
▲ 0.50% · 4.625%
HK$10,501
+HK$526/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,950/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$10,208
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,526
−HK$322/mo
Today · 4.125%
HK$10,848
baseline
▲ 0.50% · 4.625%
HK$11,508
+HK$660/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,696/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$11,356
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,661
−HK$309/mo
Today · 4.125%
HK$11,970
baseline
▲ 0.50% · 4.625%
HK$12,601
+HK$631/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,940/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$11,909
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,280
−HK$376/mo
Today · 4.125%
HK$12,656
baseline
▲ 0.50% · 4.625%
HK$13,426
+HK$770/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,312/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$13,249
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,604
−HK$361/mo
Today · 4.125%
HK$13,965
baseline
▲ 0.50% · 4.625%
HK$14,701
+HK$736/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,930/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$15,312
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,788
−HK$484/mo
Today · 4.125%
HK$16,272
baseline
▲ 0.50% · 4.625%
HK$17,262
+HK$990/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$32,544/mo (50% DSR)
Upfront cash ≈ HK$373K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,034
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,491
−HK$464/mo
Today · 4.125%
HK$17,955
baseline
▲ 0.50% · 4.625%
HK$18,901
+HK$946/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$35,910/mo (50% DSR)
Upfront cash ≈ HK$373K (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).