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$8,492
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,756
−HK$268/mo
Today · 4.125%
HK$9,024
baseline
▲ 0.50% · 4.625%
HK$9,574
+HK$550/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,048/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$9,447
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,700
−HK$258/mo
Today · 4.125%
HK$9,958
baseline
▲ 0.50% · 4.625%
HK$10,482
+HK$524/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,916/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$10,190
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,507
−HK$322/mo
Today · 4.125%
HK$10,829
baseline
▲ 0.50% · 4.625%
HK$11,488
+HK$659/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,658/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$11,337
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,641
−HK$308/mo
Today · 4.125%
HK$11,949
baseline
▲ 0.50% · 4.625%
HK$12,579
+HK$630/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,898/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$11,889
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,258
−HK$376/mo
Today · 4.125%
HK$12,634
baseline
▲ 0.50% · 4.625%
HK$13,403
+HK$769/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,268/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$13,226
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,581
−HK$360/mo
Today · 4.125%
HK$13,941
baseline
▲ 0.50% · 4.625%
HK$14,675
+HK$734/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,882/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$15,285
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,761
−HK$483/mo
Today · 4.125%
HK$16,244
baseline
▲ 0.50% · 4.625%
HK$17,232
+HK$988/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,488/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$17,005
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,461
−HK$463/mo
Today · 4.125%
HK$17,924
baseline
▲ 0.50% · 4.625%
HK$18,868
+HK$944/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,848/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).