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$8,474
−HK$532/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$9,427
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,680
−HK$257/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$10,169
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,485
−HK$322/mo
Today · 4.125%
HK$10,807
baseline
▲ 0.50% · 4.625%
HK$11,464
+HK$657/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$611/mo
▼ 0.25% · 3.875%
HK$11,616
−HK$308/mo
Today · 4.125%
HK$11,924
baseline
▲ 0.50% · 4.625%
HK$12,553
+HK$629/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,848/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$13,375
+HK$767/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$13,198
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,552
−HK$360/mo
Today · 4.125%
HK$13,912
baseline
▲ 0.50% · 4.625%
HK$14,645
+HK$733/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$956/mo
▼ 0.25% · 3.875%
HK$15,728
−HK$482/mo
Today · 4.125%
HK$16,210
baseline
▲ 0.50% · 4.625%
HK$17,196
+HK$986/mo
Deposit HK$372K · loan HK$3.34M · min. income ≈ HK$32,420/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$16,969
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,425
−HK$461/mo
Today · 4.125%
HK$17,886
baseline
▲ 0.50% · 4.625%
HK$18,829
+HK$943/mo
Deposit HK$372K · loan HK$3.34M · min. income ≈ HK$35,772/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).