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$8,481
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,745
−HK$268/mo
Today · 4.125%
HK$9,013
baseline
▲ 0.50% · 4.625%
HK$9,562
+HK$549/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,026/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$9,435
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,688
−HK$257/mo
Today · 4.125%
HK$9,945
baseline
▲ 0.50% · 4.625%
HK$10,469
+HK$524/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,890/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$10,178
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,494
−HK$322/mo
Today · 4.125%
HK$10,816
baseline
▲ 0.50% · 4.625%
HK$11,474
+HK$658/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,632/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$11,323
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,626
−HK$308/mo
Today · 4.125%
HK$11,934
baseline
▲ 0.50% · 4.625%
HK$12,563
+HK$629/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,868/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$11,874
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,243
−HK$376/mo
Today · 4.125%
HK$12,619
baseline
▲ 0.50% · 4.625%
HK$13,386
+HK$767/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$25,238/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$13,210
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,564
−HK$359/mo
Today · 4.125%
HK$13,923
baseline
▲ 0.50% · 4.625%
HK$14,657
+HK$734/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$27,846/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$15,266
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,741
−HK$483/mo
Today · 4.125%
HK$16,224
baseline
▲ 0.50% · 4.625%
HK$17,211
+HK$987/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,448/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$16,984
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,439
−HK$462/mo
Today · 4.125%
HK$17,901
baseline
▲ 0.50% · 4.625%
HK$18,845
+HK$944/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,802/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).