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$532/mo
▼ 0.25% · 3.875%
HK$8,739
−HK$268/mo
Today · 4.125%
HK$9,007
baseline
▲ 0.50% · 4.625%
HK$9,555
+HK$548/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$509/mo
▼ 0.25% · 3.875%
HK$9,682
−HK$256/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$10,171
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,487
−HK$321/mo
Today · 4.125%
HK$10,808
baseline
▲ 0.50% · 4.625%
HK$11,466
+HK$658/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$11,315
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,618
−HK$308/mo
Today · 4.125%
HK$11,926
baseline
▲ 0.50% · 4.625%
HK$12,555
+HK$629/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,852/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$13,377
+HK$767/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$13,200
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,554
−HK$360/mo
Today · 4.125%
HK$13,914
baseline
▲ 0.50% · 4.625%
HK$14,647
+HK$733/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$15,256
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,730
−HK$483/mo
Today · 4.125%
HK$16,213
baseline
▲ 0.50% · 4.625%
HK$17,199
+HK$986/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$16,972
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,427
−HK$462/mo
Today · 4.125%
HK$17,889
baseline
▲ 0.50% · 4.625%
HK$18,832
+HK$943/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,778/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).