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$8,497
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,761
−HK$269/mo
Today · 4.125%
HK$9,030
baseline
▲ 0.50% · 4.625%
HK$9,579
+HK$549/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,060/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$9,453
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,707
−HK$257/mo
Today · 4.125%
HK$9,964
baseline
▲ 0.50% · 4.625%
HK$10,489
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,928/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$10,197
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,514
−HK$322/mo
Today · 4.125%
HK$10,836
baseline
▲ 0.50% · 4.625%
HK$11,495
+HK$659/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,672/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$11,344
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,648
−HK$308/mo
Today · 4.125%
HK$11,956
baseline
▲ 0.50% · 4.625%
HK$12,587
+HK$631/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,912/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$11,896
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,266
−HK$376/mo
Today · 4.125%
HK$12,642
baseline
▲ 0.50% · 4.625%
HK$13,411
+HK$769/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,284/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$13,234
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,589
−HK$360/mo
Today · 4.125%
HK$13,949
baseline
▲ 0.50% · 4.625%
HK$14,684
+HK$735/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,898/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$15,295
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,771
−HK$483/mo
Today · 4.125%
HK$16,254
baseline
▲ 0.50% · 4.625%
HK$17,243
+HK$989/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$32,508/mo (50% DSR)
Upfront cash ≈ HK$373K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,015
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,472
−HK$463/mo
Today · 4.125%
HK$17,935
baseline
▲ 0.50% · 4.625%
HK$18,880
+HK$945/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$35,870/mo (50% DSR)
Upfront cash ≈ HK$373K (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).