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$8,478
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,742
−HK$268/mo
Today · 4.125%
HK$9,010
baseline
▲ 0.50% · 4.625%
HK$9,558
+HK$548/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,020/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$9,432
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,685
−HK$256/mo
Today · 4.125%
HK$9,941
baseline
▲ 0.50% · 4.625%
HK$10,465
+HK$524/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,882/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$10,174
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,490
−HK$322/mo
Today · 4.125%
HK$10,812
baseline
▲ 0.50% · 4.625%
HK$11,469
+HK$657/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,624/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$11,318
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,622
−HK$308/mo
Today · 4.125%
HK$11,930
baseline
▲ 0.50% · 4.625%
HK$12,558
+HK$628/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,860/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$11,869
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,238
−HK$376/mo
Today · 4.125%
HK$12,614
baseline
▲ 0.50% · 4.625%
HK$13,381
+HK$767/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$25,228/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$13,204
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,559
−HK$359/mo
Today · 4.125%
HK$13,918
baseline
▲ 0.50% · 4.625%
HK$14,651
+HK$733/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$27,836/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$15,260
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,735
−HK$482/mo
Today · 4.125%
HK$16,217
baseline
▲ 0.50% · 4.625%
HK$17,204
+HK$987/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,434/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$16,977
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,432
−HK$462/mo
Today · 4.125%
HK$17,894
baseline
▲ 0.50% · 4.625%
HK$18,838
+HK$944/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,788/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).