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$8,497
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,761
−HK$269/mo
Today · 4.125%
HK$9,030
baseline
▲ 0.50% · 4.625%
HK$9,579
+HK$549/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,060/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$9,453
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,706
−HK$257/mo
Today · 4.125%
HK$9,963
baseline
▲ 0.50% · 4.625%
HK$10,488
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,926/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$10,196
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,513
−HK$323/mo
Today · 4.125%
HK$10,836
baseline
▲ 0.50% · 4.625%
HK$11,495
+HK$659/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,672/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$11,343
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,647
−HK$309/mo
Today · 4.125%
HK$11,956
baseline
▲ 0.50% · 4.625%
HK$12,586
+HK$630/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,912/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$11,896
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,266
−HK$375/mo
Today · 4.125%
HK$12,641
baseline
▲ 0.50% · 4.625%
HK$13,411
+HK$770/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,282/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$13,234
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,589
−HK$360/mo
Today · 4.125%
HK$13,949
baseline
▲ 0.50% · 4.625%
HK$14,684
+HK$735/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,898/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$15,294
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,770
−HK$483/mo
Today · 4.125%
HK$16,253
baseline
▲ 0.50% · 4.625%
HK$17,242
+HK$989/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$32,506/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$17,015
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,471
−HK$463/mo
Today · 4.125%
HK$17,934
baseline
▲ 0.50% · 4.625%
HK$18,879
+HK$945/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$35,868/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).