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$8,460
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,723
−HK$268/mo
Today · 4.125%
HK$8,991
baseline
▲ 0.50% · 4.625%
HK$9,538
+HK$547/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$17,982/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$9,412
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,664
−HK$256/mo
Today · 4.125%
HK$9,920
baseline
▲ 0.50% · 4.625%
HK$10,443
+HK$523/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,840/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$10,152
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,468
−HK$321/mo
Today · 4.125%
HK$10,789
baseline
▲ 0.50% · 4.625%
HK$11,445
+HK$656/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$21,578/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,294
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,597
−HK$307/mo
Today · 4.125%
HK$11,904
baseline
▲ 0.50% · 4.625%
HK$12,532
+HK$628/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$23,808/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,844
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,213
−HK$374/mo
Today · 4.125%
HK$12,587
baseline
▲ 0.50% · 4.625%
HK$13,353
+HK$766/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,174/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$13,177
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,530
−HK$359/mo
Today · 4.125%
HK$13,889
baseline
▲ 0.50% · 4.625%
HK$14,621
+HK$732/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,778/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$15,228
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,702
−HK$481/mo
Today · 4.125%
HK$16,183
baseline
▲ 0.50% · 4.625%
HK$17,168
+HK$985/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,366/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$16,941
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,396
−HK$461/mo
Today · 4.125%
HK$17,857
baseline
▲ 0.50% · 4.625%
HK$18,798
+HK$941/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,714/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).