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$8,484
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,748
−HK$268/mo
Today · 4.125%
HK$9,016
baseline
▲ 0.50% · 4.625%
HK$9,565
+HK$549/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,032/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$9,439
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,692
−HK$257/mo
Today · 4.125%
HK$9,949
baseline
▲ 0.50% · 4.625%
HK$10,473
+HK$524/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,898/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$10,181
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,498
−HK$322/mo
Today · 4.125%
HK$10,820
baseline
▲ 0.50% · 4.625%
HK$11,478
+HK$658/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,640/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$11,326
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,630
−HK$308/mo
Today · 4.125%
HK$11,938
baseline
▲ 0.50% · 4.625%
HK$12,568
+HK$630/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,876/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$11,878
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,247
−HK$376/mo
Today · 4.125%
HK$12,623
baseline
▲ 0.50% · 4.625%
HK$13,391
+HK$768/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$25,246/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$13,214
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,569
−HK$359/mo
Today · 4.125%
HK$13,928
baseline
▲ 0.50% · 4.625%
HK$14,662
+HK$734/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$27,856/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$15,272
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,747
−HK$482/mo
Today · 4.125%
HK$16,229
baseline
▲ 0.50% · 4.625%
HK$17,217
+HK$988/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,458/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$16,990
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,445
−HK$463/mo
Today · 4.125%
HK$17,908
baseline
▲ 0.50% · 4.625%
HK$18,851
+HK$943/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,816/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).