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$8,476
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,740
−HK$267/mo
Today · 4.125%
HK$9,007
baseline
▲ 0.50% · 4.625%
HK$9,556
+HK$549/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,014/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$9,429
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,682
−HK$257/mo
Today · 4.125%
HK$9,939
baseline
▲ 0.50% · 4.625%
HK$10,463
+HK$524/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,878/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$10,171
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,488
−HK$321/mo
Today · 4.125%
HK$10,809
baseline
▲ 0.50% · 4.625%
HK$11,467
+HK$658/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,618/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$11,315
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,619
−HK$308/mo
Today · 4.125%
HK$11,927
baseline
▲ 0.50% · 4.625%
HK$12,555
+HK$628/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,854/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$11,866
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,235
−HK$375/mo
Today · 4.125%
HK$12,610
baseline
▲ 0.50% · 4.625%
HK$13,378
+HK$768/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$25,220/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$13,201
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,555
−HK$359/mo
Today · 4.125%
HK$13,914
baseline
▲ 0.50% · 4.625%
HK$14,648
+HK$734/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$27,828/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$15,257
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,731
−HK$482/mo
Today · 4.125%
HK$16,213
baseline
▲ 0.50% · 4.625%
HK$17,200
+HK$987/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,426/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$16,973
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,428
−HK$462/mo
Today · 4.125%
HK$17,890
baseline
▲ 0.50% · 4.625%
HK$18,833
+HK$943/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,780/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).