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$8,460
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,723
−HK$267/mo
Today · 4.125%
HK$8,990
baseline
▲ 0.50% · 4.625%
HK$9,537
+HK$547/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$17,980/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$9,411
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,664
−HK$256/mo
Today · 4.125%
HK$9,920
baseline
▲ 0.50% · 4.625%
HK$10,443
+HK$523/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,840/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$10,152
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,468
−HK$320/mo
Today · 4.125%
HK$10,788
baseline
▲ 0.50% · 4.625%
HK$11,445
+HK$657/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$21,576/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,294
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,597
−HK$307/mo
Today · 4.125%
HK$11,904
baseline
▲ 0.50% · 4.625%
HK$12,531
+HK$627/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$23,808/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,844
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,212
−HK$374/mo
Today · 4.125%
HK$12,586
baseline
▲ 0.50% · 4.625%
HK$13,352
+HK$766/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,172/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$13,176
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,529
−HK$359/mo
Today · 4.125%
HK$13,888
baseline
▲ 0.50% · 4.625%
HK$14,620
+HK$732/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,776/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$15,228
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,701
−HK$482/mo
Today · 4.125%
HK$16,183
baseline
▲ 0.50% · 4.625%
HK$17,167
+HK$984/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,366/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$16,941
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,395
−HK$461/mo
Today · 4.125%
HK$17,856
baseline
▲ 0.50% · 4.625%
HK$18,797
+HK$941/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,712/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).