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$8,479
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,742
−HK$268/mo
Today · 4.125%
HK$9,010
baseline
▲ 0.50% · 4.625%
HK$9,559
+HK$549/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,020/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$9,432
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,685
−HK$257/mo
Today · 4.125%
HK$9,942
baseline
▲ 0.50% · 4.625%
HK$10,466
+HK$524/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,884/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$10,174
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,491
−HK$322/mo
Today · 4.125%
HK$10,813
baseline
▲ 0.50% · 4.625%
HK$11,470
+HK$657/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,626/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$11,319
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,623
−HK$308/mo
Today · 4.125%
HK$11,931
baseline
▲ 0.50% · 4.625%
HK$12,559
+HK$628/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,862/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$11,870
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,239
−HK$376/mo
Today · 4.125%
HK$12,615
baseline
▲ 0.50% · 4.625%
HK$13,382
+HK$767/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$25,230/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$13,205
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,560
−HK$359/mo
Today · 4.125%
HK$13,919
baseline
▲ 0.50% · 4.625%
HK$14,653
+HK$734/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$27,838/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$15,262
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,736
−HK$483/mo
Today · 4.125%
HK$16,219
baseline
▲ 0.50% · 4.625%
HK$17,206
+HK$987/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,438/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$16,978
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,434
−HK$462/mo
Today · 4.125%
HK$17,896
baseline
▲ 0.50% · 4.625%
HK$18,839
+HK$943/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,792/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).