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$8,468
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,732
−HK$268/mo
Today · 4.125%
HK$9,000
baseline
▲ 0.50% · 4.625%
HK$9,547
+HK$547/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,000/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$9,421
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,674
−HK$256/mo
Today · 4.125%
HK$9,930
baseline
▲ 0.50% · 4.625%
HK$10,454
+HK$524/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,860/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$10,162
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,478
−HK$321/mo
Today · 4.125%
HK$10,799
baseline
▲ 0.50% · 4.625%
HK$11,457
+HK$658/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,598/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$11,305
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,609
−HK$307/mo
Today · 4.125%
HK$11,916
baseline
▲ 0.50% · 4.625%
HK$12,544
+HK$628/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,832/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$11,856
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,225
−HK$374/mo
Today · 4.125%
HK$12,599
baseline
▲ 0.50% · 4.625%
HK$13,366
+HK$767/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,198/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$13,190
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,543
−HK$359/mo
Today · 4.125%
HK$13,902
baseline
▲ 0.50% · 4.625%
HK$14,635
+HK$733/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,804/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$15,243
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,717
−HK$482/mo
Today · 4.125%
HK$16,199
baseline
▲ 0.50% · 4.625%
HK$17,185
+HK$986/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,398/mo (50% DSR)
Upfront cash ≈ HK$371K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,958
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,413
−HK$461/mo
Today · 4.125%
HK$17,874
baseline
▲ 0.50% · 4.625%
HK$18,816
+HK$942/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,748/mo (50% DSR)
Upfront cash ≈ HK$371K (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).