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$8,498
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,762
−HK$269/mo
Today · 4.125%
HK$9,031
baseline
▲ 0.50% · 4.625%
HK$9,580
+HK$549/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,062/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$9,454
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,707
−HK$257/mo
Today · 4.125%
HK$9,964
baseline
▲ 0.50% · 4.625%
HK$10,490
+HK$526/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,928/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$10,197
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,514
−HK$323/mo
Today · 4.125%
HK$10,837
baseline
▲ 0.50% · 4.625%
HK$11,496
+HK$659/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,674/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$11,344
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,649
−HK$308/mo
Today · 4.125%
HK$11,957
baseline
▲ 0.50% · 4.625%
HK$12,587
+HK$630/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,914/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$11,897
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,267
−HK$376/mo
Today · 4.125%
HK$12,643
baseline
▲ 0.50% · 4.625%
HK$13,412
+HK$769/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,286/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$13,235
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,590
−HK$360/mo
Today · 4.125%
HK$13,950
baseline
▲ 0.50% · 4.625%
HK$14,685
+HK$735/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,900/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$15,296
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,772
−HK$483/mo
Today · 4.125%
HK$16,255
baseline
▲ 0.50% · 4.625%
HK$17,244
+HK$989/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$32,510/mo (50% DSR)
Upfront cash ≈ HK$373K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,016
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,473
−HK$463/mo
Today · 4.125%
HK$17,936
baseline
▲ 0.50% · 4.625%
HK$18,881
+HK$945/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$35,872/mo (50% DSR)
Upfront cash ≈ HK$373K (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).