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$8,494
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,758
−HK$269/mo
Today · 4.125%
HK$9,027
baseline
▲ 0.50% · 4.625%
HK$9,576
+HK$549/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$510/mo
▼ 0.25% · 3.875%
HK$9,703
−HK$257/mo
Today · 4.125%
HK$9,960
baseline
▲ 0.50% · 4.625%
HK$10,485
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,920/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$10,193
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,510
−HK$322/mo
Today · 4.125%
HK$10,832
baseline
▲ 0.50% · 4.625%
HK$11,491
+HK$659/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,664/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$612/mo
▼ 0.25% · 3.875%
HK$11,644
−HK$308/mo
Today · 4.125%
HK$11,952
baseline
▲ 0.50% · 4.625%
HK$12,582
+HK$630/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,904/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$11,892
−HK$746/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$714/mo
▼ 0.25% · 3.875%
HK$13,584
−HK$360/mo
Today · 4.125%
HK$13,944
baseline
▲ 0.50% · 4.625%
HK$14,679
+HK$735/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,888/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$958/mo
▼ 0.25% · 3.875%
HK$15,765
−HK$483/mo
Today · 4.125%
HK$16,248
baseline
▲ 0.50% · 4.625%
HK$17,237
+HK$989/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$32,496/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$17,009
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,466
−HK$462/mo
Today · 4.125%
HK$17,928
baseline
▲ 0.50% · 4.625%
HK$18,873
+HK$945/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$35,856/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).