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$8,493
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,757
−HK$269/mo
Today · 4.125%
HK$9,026
baseline
▲ 0.50% · 4.625%
HK$9,575
+HK$549/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,052/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$9,448
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,702
−HK$257/mo
Today · 4.125%
HK$9,959
baseline
▲ 0.50% · 4.625%
HK$10,484
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,918/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$10,192
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,509
−HK$322/mo
Today · 4.125%
HK$10,831
baseline
▲ 0.50% · 4.625%
HK$11,490
+HK$659/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,662/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$11,338
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,642
−HK$309/mo
Today · 4.125%
HK$11,951
baseline
▲ 0.50% · 4.625%
HK$12,581
+HK$630/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,902/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$11,890
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,260
−HK$376/mo
Today · 4.125%
HK$12,636
baseline
▲ 0.50% · 4.625%
HK$13,405
+HK$769/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,272/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$13,228
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,582
−HK$360/mo
Today · 4.125%
HK$13,942
baseline
▲ 0.50% · 4.625%
HK$14,677
+HK$735/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,884/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$15,287
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,763
−HK$483/mo
Today · 4.125%
HK$16,246
baseline
▲ 0.50% · 4.625%
HK$17,235
+HK$989/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,492/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$17,007
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,463
−HK$463/mo
Today · 4.125%
HK$17,926
baseline
▲ 0.50% · 4.625%
HK$18,871
+HK$945/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,852/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).