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$8,502
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,767
−HK$268/mo
Today · 4.125%
HK$9,035
baseline
▲ 0.50% · 4.625%
HK$9,585
+HK$550/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,070/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$9,459
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,712
−HK$258/mo
Today · 4.125%
HK$9,970
baseline
▲ 0.50% · 4.625%
HK$10,495
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,940/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$10,203
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,520
−HK$323/mo
Today · 4.125%
HK$10,843
baseline
▲ 0.50% · 4.625%
HK$11,502
+HK$659/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,686/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$11,351
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,655
−HK$309/mo
Today · 4.125%
HK$11,964
baseline
▲ 0.50% · 4.625%
HK$12,594
+HK$630/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,928/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$11,903
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,274
−HK$376/mo
Today · 4.125%
HK$12,650
baseline
▲ 0.50% · 4.625%
HK$13,419
+HK$769/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,300/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$13,242
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,597
−HK$361/mo
Today · 4.125%
HK$13,958
baseline
▲ 0.50% · 4.625%
HK$14,693
+HK$735/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,916/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$15,304
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,780
−HK$484/mo
Today · 4.125%
HK$16,264
baseline
▲ 0.50% · 4.625%
HK$17,254
+HK$990/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$32,528/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$17,026
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,482
−HK$464/mo
Today · 4.125%
HK$17,946
baseline
▲ 0.50% · 4.625%
HK$18,892
+HK$946/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$35,892/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).