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$8,470
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,733
−HK$268/mo
Today · 4.125%
HK$9,001
baseline
▲ 0.50% · 4.625%
HK$9,549
+HK$548/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,002/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$9,423
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,676
−HK$256/mo
Today · 4.125%
HK$9,932
baseline
▲ 0.50% · 4.625%
HK$10,455
+HK$523/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,864/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$10,164
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,480
−HK$321/mo
Today · 4.125%
HK$10,801
baseline
▲ 0.50% · 4.625%
HK$11,459
+HK$658/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,602/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$11,307
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,611
−HK$307/mo
Today · 4.125%
HK$11,918
baseline
▲ 0.50% · 4.625%
HK$12,546
+HK$628/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,836/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$11,858
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,227
−HK$375/mo
Today · 4.125%
HK$12,602
baseline
▲ 0.50% · 4.625%
HK$13,368
+HK$766/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,204/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,192
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,546
−HK$359/mo
Today · 4.125%
HK$13,905
baseline
▲ 0.50% · 4.625%
HK$14,638
+HK$733/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,810/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,246
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,720
−HK$482/mo
Today · 4.125%
HK$16,202
baseline
▲ 0.50% · 4.625%
HK$17,188
+HK$986/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,404/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$16,961
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,416
−HK$461/mo
Today · 4.125%
HK$17,877
baseline
▲ 0.50% · 4.625%
HK$18,820
+HK$943/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,754/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).