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$8,467
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,730
−HK$268/mo
Today · 4.125%
HK$8,998
baseline
▲ 0.50% · 4.625%
HK$9,545
+HK$547/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$17,996/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$9,419
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,672
−HK$256/mo
Today · 4.125%
HK$9,928
baseline
▲ 0.50% · 4.625%
HK$10,451
+HK$523/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,856/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$10,160
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,476
−HK$321/mo
Today · 4.125%
HK$10,797
baseline
▲ 0.50% · 4.625%
HK$11,454
+HK$657/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,594/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$11,303
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,606
−HK$308/mo
Today · 4.125%
HK$11,914
baseline
▲ 0.50% · 4.625%
HK$12,542
+HK$628/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,828/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$11,853
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,222
−HK$375/mo
Today · 4.125%
HK$12,597
baseline
▲ 0.50% · 4.625%
HK$13,363
+HK$766/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,194/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$13,187
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,541
−HK$358/mo
Today · 4.125%
HK$13,899
baseline
▲ 0.50% · 4.625%
HK$14,632
+HK$733/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,798/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$15,240
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,714
−HK$482/mo
Today · 4.125%
HK$16,196
baseline
▲ 0.50% · 4.625%
HK$17,181
+HK$985/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,392/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$16,955
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,409
−HK$462/mo
Today · 4.125%
HK$17,871
baseline
▲ 0.50% · 4.625%
HK$18,813
+HK$942/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,742/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).