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$8,489
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,753
−HK$268/mo
Today · 4.125%
HK$9,021
baseline
▲ 0.50% · 4.625%
HK$9,570
+HK$549/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,042/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$9,444
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,697
−HK$257/mo
Today · 4.125%
HK$9,954
baseline
▲ 0.50% · 4.625%
HK$10,479
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,908/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$10,187
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,504
−HK$322/mo
Today · 4.125%
HK$10,826
baseline
▲ 0.50% · 4.625%
HK$11,484
+HK$658/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,652/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$11,333
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,637
−HK$308/mo
Today · 4.125%
HK$11,945
baseline
▲ 0.50% · 4.625%
HK$12,575
+HK$630/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,890/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$11,885
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,254
−HK$376/mo
Today · 4.125%
HK$12,630
baseline
▲ 0.50% · 4.625%
HK$13,398
+HK$768/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,260/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$13,221
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,576
−HK$360/mo
Today · 4.125%
HK$13,936
baseline
▲ 0.50% · 4.625%
HK$14,670
+HK$734/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,872/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$15,280
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,755
−HK$483/mo
Today · 4.125%
HK$16,238
baseline
▲ 0.50% · 4.625%
HK$17,226
+HK$988/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,476/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$16,999
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,455
−HK$462/mo
Today · 4.125%
HK$17,917
baseline
▲ 0.50% · 4.625%
HK$18,862
+HK$945/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,834/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).