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$8,491
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,756
−HK$268/mo
Today · 4.125%
HK$9,024
baseline
▲ 0.50% · 4.625%
HK$9,573
+HK$549/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,048/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$9,447
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,700
−HK$257/mo
Today · 4.125%
HK$9,957
baseline
▲ 0.50% · 4.625%
HK$10,482
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,914/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$10,190
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,507
−HK$322/mo
Today · 4.125%
HK$10,829
baseline
▲ 0.50% · 4.625%
HK$11,488
+HK$659/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,658/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$11,336
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,640
−HK$308/mo
Today · 4.125%
HK$11,948
baseline
▲ 0.50% · 4.625%
HK$12,578
+HK$630/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,896/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$11,888
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,258
−HK$375/mo
Today · 4.125%
HK$12,633
baseline
▲ 0.50% · 4.625%
HK$13,402
+HK$769/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,266/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$13,225
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,580
−HK$360/mo
Today · 4.125%
HK$13,940
baseline
▲ 0.50% · 4.625%
HK$14,675
+HK$735/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,880/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$15,285
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,760
−HK$483/mo
Today · 4.125%
HK$16,243
baseline
▲ 0.50% · 4.625%
HK$17,231
+HK$988/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,486/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$17,004
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,460
−HK$463/mo
Today · 4.125%
HK$17,923
baseline
▲ 0.50% · 4.625%
HK$18,867
+HK$944/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,846/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).