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$8,477
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,741
−HK$268/mo
Today · 4.125%
HK$9,009
baseline
▲ 0.50% · 4.625%
HK$9,557
+HK$548/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,018/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$9,431
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,684
−HK$256/mo
Today · 4.125%
HK$9,940
baseline
▲ 0.50% · 4.625%
HK$10,464
+HK$524/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,880/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$10,173
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,489
−HK$321/mo
Today · 4.125%
HK$10,810
baseline
▲ 0.50% · 4.625%
HK$11,468
+HK$658/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,620/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$11,317
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,620
−HK$308/mo
Today · 4.125%
HK$11,928
baseline
▲ 0.50% · 4.625%
HK$12,557
+HK$629/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,856/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$11,868
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,237
−HK$375/mo
Today · 4.125%
HK$12,612
baseline
▲ 0.50% · 4.625%
HK$13,380
+HK$768/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$25,224/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$13,203
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,557
−HK$359/mo
Today · 4.125%
HK$13,916
baseline
▲ 0.50% · 4.625%
HK$14,650
+HK$734/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$27,832/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$15,259
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,733
−HK$483/mo
Today · 4.125%
HK$16,216
baseline
▲ 0.50% · 4.625%
HK$17,202
+HK$986/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,432/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$16,975
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,431
−HK$461/mo
Today · 4.125%
HK$17,892
baseline
▲ 0.50% · 4.625%
HK$18,836
+HK$944/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,784/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).