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$8,500
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,764
−HK$269/mo
Today · 4.125%
HK$9,033
baseline
▲ 0.50% · 4.625%
HK$9,583
+HK$550/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,066/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$9,456
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,710
−HK$257/mo
Today · 4.125%
HK$9,967
baseline
▲ 0.50% · 4.625%
HK$10,492
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,934/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$10,200
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,517
−HK$323/mo
Today · 4.125%
HK$10,840
baseline
▲ 0.50% · 4.625%
HK$11,499
+HK$659/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,680/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$11,347
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,652
−HK$308/mo
Today · 4.125%
HK$11,960
baseline
▲ 0.50% · 4.625%
HK$12,591
+HK$631/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,920/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$11,900
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,270
−HK$376/mo
Today · 4.125%
HK$12,646
baseline
▲ 0.50% · 4.625%
HK$13,416
+HK$770/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,292/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$13,239
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,594
−HK$360/mo
Today · 4.125%
HK$13,954
baseline
▲ 0.50% · 4.625%
HK$14,689
+HK$735/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,908/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$15,300
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,776
−HK$483/mo
Today · 4.125%
HK$16,259
baseline
▲ 0.50% · 4.625%
HK$17,249
+HK$990/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$32,518/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$17,021
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,477
−HK$464/mo
Today · 4.125%
HK$17,941
baseline
▲ 0.50% · 4.625%
HK$18,886
+HK$945/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$35,882/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).