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$8,505
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,769
−HK$269/mo
Today · 4.125%
HK$9,038
baseline
▲ 0.50% · 4.625%
HK$9,588
+HK$550/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,076/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$9,462
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,715
−HK$258/mo
Today · 4.125%
HK$9,973
baseline
▲ 0.50% · 4.625%
HK$10,498
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,946/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$10,206
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,523
−HK$323/mo
Today · 4.125%
HK$10,846
baseline
▲ 0.50% · 4.625%
HK$11,506
+HK$660/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,692/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$11,354
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,658
−HK$309/mo
Today · 4.125%
HK$11,967
baseline
▲ 0.50% · 4.625%
HK$12,598
+HK$631/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,934/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$11,907
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,277
−HK$376/mo
Today · 4.125%
HK$12,653
baseline
▲ 0.50% · 4.625%
HK$13,423
+HK$770/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,306/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$13,246
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,601
−HK$361/mo
Today · 4.125%
HK$13,962
baseline
▲ 0.50% · 4.625%
HK$14,698
+HK$736/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,924/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$15,309
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,785
−HK$484/mo
Today · 4.125%
HK$16,269
baseline
▲ 0.50% · 4.625%
HK$17,259
+HK$990/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$32,538/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$17,031
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,488
−HK$463/mo
Today · 4.125%
HK$17,951
baseline
▲ 0.50% · 4.625%
HK$18,897
+HK$946/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$35,902/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).