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$8,463
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,726
−HK$267/mo
Today · 4.125%
HK$8,993
baseline
▲ 0.50% · 4.625%
HK$9,541
+HK$548/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$17,986/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$9,415
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,667
−HK$256/mo
Today · 4.125%
HK$9,923
baseline
▲ 0.50% · 4.625%
HK$10,446
+HK$523/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,846/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$10,155
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,471
−HK$321/mo
Today · 4.125%
HK$10,792
baseline
▲ 0.50% · 4.625%
HK$11,449
+HK$657/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$21,584/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$11,298
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,601
−HK$307/mo
Today · 4.125%
HK$11,908
baseline
▲ 0.50% · 4.625%
HK$12,536
+HK$628/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$23,816/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$11,848
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,216
−HK$375/mo
Today · 4.125%
HK$12,591
baseline
▲ 0.50% · 4.625%
HK$13,357
+HK$766/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,182/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$13,180
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,534
−HK$359/mo
Today · 4.125%
HK$13,893
baseline
▲ 0.50% · 4.625%
HK$14,625
+HK$732/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,786/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$15,233
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,707
−HK$481/mo
Today · 4.125%
HK$16,188
baseline
▲ 0.50% · 4.625%
HK$17,173
+HK$985/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,376/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$16,946
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,401
−HK$461/mo
Today · 4.125%
HK$17,862
baseline
▲ 0.50% · 4.625%
HK$18,803
+HK$941/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,724/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).