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$531/mo
▼ 0.25% · 3.875%
HK$8,738
−HK$268/mo
Today · 4.125%
HK$9,006
baseline
▲ 0.50% · 4.625%
HK$9,554
+HK$548/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,012/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$9,428
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,681
−HK$256/mo
Today · 4.125%
HK$9,937
baseline
▲ 0.50% · 4.625%
HK$10,461
+HK$524/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,874/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$10,170
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,486
−HK$321/mo
Today · 4.125%
HK$10,807
baseline
▲ 0.50% · 4.625%
HK$11,465
+HK$658/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,614/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$11,313
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,617
−HK$308/mo
Today · 4.125%
HK$11,925
baseline
▲ 0.50% · 4.625%
HK$12,553
+HK$628/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,850/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$11,864
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,233
−HK$375/mo
Today · 4.125%
HK$12,608
baseline
▲ 0.50% · 4.625%
HK$13,376
+HK$768/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,216/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$13,199
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,553
−HK$359/mo
Today · 4.125%
HK$13,912
baseline
▲ 0.50% · 4.625%
HK$14,646
+HK$734/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,824/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$15,254
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,729
−HK$482/mo
Today · 4.125%
HK$16,211
baseline
▲ 0.50% · 4.625%
HK$17,197
+HK$986/mo
Deposit HK$372K · loan HK$3.34M · min. income ≈ HK$32,422/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$16,970
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,425
−HK$462/mo
Today · 4.125%
HK$17,887
baseline
▲ 0.50% · 4.625%
HK$18,830
+HK$943/mo
Deposit HK$372K · loan HK$3.34M · min. income ≈ HK$35,774/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).