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$8,475
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,739
−HK$267/mo
Today · 4.125%
HK$9,006
baseline
▲ 0.50% · 4.625%
HK$9,554
+HK$548/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,012/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,428
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,681
−HK$257/mo
Today · 4.125%
HK$9,938
baseline
▲ 0.50% · 4.625%
HK$10,462
+HK$524/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,876/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,170
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,486
−HK$322/mo
Today · 4.125%
HK$10,808
baseline
▲ 0.50% · 4.625%
HK$11,465
+HK$657/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,616/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$11,314
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,617
−HK$308/mo
Today · 4.125%
HK$11,925
baseline
▲ 0.50% · 4.625%
HK$12,554
+HK$629/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,850/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$11,865
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,234
−HK$375/mo
Today · 4.125%
HK$12,609
baseline
▲ 0.50% · 4.625%
HK$13,376
+HK$767/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$25,218/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$13,200
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,554
−HK$359/mo
Today · 4.125%
HK$13,913
baseline
▲ 0.50% · 4.625%
HK$14,646
+HK$733/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$27,826/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$15,255
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,730
−HK$482/mo
Today · 4.125%
HK$16,212
baseline
▲ 0.50% · 4.625%
HK$17,198
+HK$986/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,424/mo (50% DSR)
Upfront cash ≈ HK$372K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,971
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,426
−HK$462/mo
Today · 4.125%
HK$17,888
baseline
▲ 0.50% · 4.625%
HK$18,831
+HK$943/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,776/mo (50% DSR)
Upfront cash ≈ HK$372K (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).