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$8,495
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,759
−HK$268/mo
Today · 4.125%
HK$9,027
baseline
▲ 0.50% · 4.625%
HK$9,577
+HK$550/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,054/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$9,450
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,704
−HK$257/mo
Today · 4.125%
HK$9,961
baseline
▲ 0.50% · 4.625%
HK$10,486
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,922/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$10,194
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,511
−HK$322/mo
Today · 4.125%
HK$10,833
baseline
▲ 0.50% · 4.625%
HK$11,492
+HK$659/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,666/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$11,340
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,644
−HK$309/mo
Today · 4.125%
HK$11,953
baseline
▲ 0.50% · 4.625%
HK$12,583
+HK$630/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,906/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$11,893
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,262
−HK$376/mo
Today · 4.125%
HK$12,638
baseline
▲ 0.50% · 4.625%
HK$13,407
+HK$769/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,276/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$13,230
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,585
−HK$360/mo
Today · 4.125%
HK$13,945
baseline
▲ 0.50% · 4.625%
HK$14,680
+HK$735/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,890/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$15,290
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,766
−HK$483/mo
Today · 4.125%
HK$16,249
baseline
▲ 0.50% · 4.625%
HK$17,238
+HK$989/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$32,498/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$17,010
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,467
−HK$462/mo
Today · 4.125%
HK$17,929
baseline
▲ 0.50% · 4.625%
HK$18,874
+HK$945/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$35,858/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).