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$8,483
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,747
−HK$268/mo
Today · 4.125%
HK$9,015
baseline
▲ 0.50% · 4.625%
HK$9,564
+HK$549/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,030/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$9,437
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,691
−HK$256/mo
Today · 4.125%
HK$9,947
baseline
▲ 0.50% · 4.625%
HK$10,472
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,894/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$10,180
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,496
−HK$322/mo
Today · 4.125%
HK$10,818
baseline
▲ 0.50% · 4.625%
HK$11,476
+HK$658/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,636/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$11,325
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,629
−HK$308/mo
Today · 4.125%
HK$11,937
baseline
▲ 0.50% · 4.625%
HK$12,566
+HK$629/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,874/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$11,876
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,246
−HK$375/mo
Today · 4.125%
HK$12,621
baseline
▲ 0.50% · 4.625%
HK$13,389
+HK$768/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$25,242/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$13,212
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,567
−HK$359/mo
Today · 4.125%
HK$13,926
baseline
▲ 0.50% · 4.625%
HK$14,660
+HK$734/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$27,852/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$15,270
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,745
−HK$482/mo
Today · 4.125%
HK$16,227
baseline
▲ 0.50% · 4.625%
HK$17,215
+HK$988/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,454/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$16,987
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,443
−HK$462/mo
Today · 4.125%
HK$17,905
baseline
▲ 0.50% · 4.625%
HK$18,849
+HK$944/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,810/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).