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$8,482
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,746
−HK$268/mo
Today · 4.125%
HK$9,014
baseline
▲ 0.50% · 4.625%
HK$9,563
+HK$549/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,028/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$9,436
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,690
−HK$256/mo
Today · 4.125%
HK$9,946
baseline
▲ 0.50% · 4.625%
HK$10,471
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,892/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$10,179
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,495
−HK$322/mo
Today · 4.125%
HK$10,817
baseline
▲ 0.50% · 4.625%
HK$11,475
+HK$658/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,634/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$11,324
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,627
−HK$309/mo
Today · 4.125%
HK$11,936
baseline
▲ 0.50% · 4.625%
HK$12,565
+HK$629/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,872/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$11,875
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,245
−HK$375/mo
Today · 4.125%
HK$12,620
baseline
▲ 0.50% · 4.625%
HK$13,388
+HK$768/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$25,240/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$13,211
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,565
−HK$360/mo
Today · 4.125%
HK$13,925
baseline
▲ 0.50% · 4.625%
HK$14,659
+HK$734/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$27,850/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$15,268
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,743
−HK$483/mo
Today · 4.125%
HK$16,226
baseline
▲ 0.50% · 4.625%
HK$17,213
+HK$987/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,452/mo (50% DSR)
Upfront cash ≈ HK$372K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,986
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,441
−HK$462/mo
Today · 4.125%
HK$17,903
baseline
▲ 0.50% · 4.625%
HK$18,847
+HK$944/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,806/mo (50% DSR)
Upfront cash ≈ HK$372K (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).