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$8,513
−HK$534/mo
▼ 0.25% · 3.875%
HK$8,778
−HK$269/mo
Today · 4.125%
HK$9,047
baseline
▲ 0.50% · 4.625%
HK$9,597
+HK$550/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$18,094/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$9,471
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,725
−HK$257/mo
Today · 4.125%
HK$9,982
baseline
▲ 0.50% · 4.625%
HK$10,508
+HK$526/mo
Deposit HK$1.87M · loan HK$1.87M · min. income ≈ HK$19,964/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$10,216
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,533
−HK$323/mo
Today · 4.125%
HK$10,856
baseline
▲ 0.50% · 4.625%
HK$11,517
+HK$661/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,712/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$11,365
−HK$614/mo
▼ 0.25% · 3.875%
HK$11,669
−HK$310/mo
Today · 4.125%
HK$11,979
baseline
▲ 0.50% · 4.625%
HK$12,610
+HK$631/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,958/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$11,918
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,289
−HK$376/mo
Today · 4.125%
HK$12,665
baseline
▲ 0.50% · 4.625%
HK$13,436
+HK$771/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,330/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$13,259
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,614
−HK$361/mo
Today · 4.125%
HK$13,975
baseline
▲ 0.50% · 4.625%
HK$14,712
+HK$737/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,950/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$15,323
−HK$961/mo
▼ 0.25% · 3.875%
HK$15,800
−HK$484/mo
Today · 4.125%
HK$16,284
baseline
▲ 0.50% · 4.625%
HK$17,275
+HK$991/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$32,568/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$17,047
−HK$921/mo
▼ 0.25% · 3.875%
HK$17,504
−HK$464/mo
Today · 4.125%
HK$17,968
baseline
▲ 0.50% · 4.625%
HK$18,915
+HK$947/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$35,936/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).