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$8,480
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,744
−HK$268/mo
Today · 4.125%
HK$9,012
baseline
▲ 0.50% · 4.625%
HK$9,560
+HK$548/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,024/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$9,434
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,687
−HK$257/mo
Today · 4.125%
HK$9,944
baseline
▲ 0.50% · 4.625%
HK$10,468
+HK$524/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,888/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$10,176
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,493
−HK$321/mo
Today · 4.125%
HK$10,814
baseline
▲ 0.50% · 4.625%
HK$11,472
+HK$658/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,628/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$11,321
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,625
−HK$308/mo
Today · 4.125%
HK$11,933
baseline
▲ 0.50% · 4.625%
HK$12,562
+HK$629/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,866/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$11,872
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,242
−HK$375/mo
Today · 4.125%
HK$12,617
baseline
▲ 0.50% · 4.625%
HK$13,384
+HK$767/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$25,234/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$13,208
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,562
−HK$359/mo
Today · 4.125%
HK$13,921
baseline
▲ 0.50% · 4.625%
HK$14,655
+HK$734/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$27,842/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$15,264
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,739
−HK$483/mo
Today · 4.125%
HK$16,222
baseline
▲ 0.50% · 4.625%
HK$17,209
+HK$987/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,444/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$16,981
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,437
−HK$462/mo
Today · 4.125%
HK$17,899
baseline
▲ 0.50% · 4.625%
HK$18,842
+HK$943/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,798/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).