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$8,496
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,760
−HK$268/mo
Today · 4.125%
HK$9,028
baseline
▲ 0.50% · 4.625%
HK$9,578
+HK$550/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,056/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$9,451
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,705
−HK$257/mo
Today · 4.125%
HK$9,962
baseline
▲ 0.50% · 4.625%
HK$10,487
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,924/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$10,195
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,512
−HK$322/mo
Today · 4.125%
HK$10,834
baseline
▲ 0.50% · 4.625%
HK$11,493
+HK$659/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,668/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$11,342
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,646
−HK$308/mo
Today · 4.125%
HK$11,954
baseline
▲ 0.50% · 4.625%
HK$12,584
+HK$630/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,908/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$11,894
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,264
−HK$376/mo
Today · 4.125%
HK$12,640
baseline
▲ 0.50% · 4.625%
HK$13,409
+HK$769/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,280/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$13,232
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,587
−HK$360/mo
Today · 4.125%
HK$13,947
baseline
▲ 0.50% · 4.625%
HK$14,682
+HK$735/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,894/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$15,292
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,768
−HK$483/mo
Today · 4.125%
HK$16,251
baseline
▲ 0.50% · 4.625%
HK$17,240
+HK$989/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$32,502/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$17,012
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,469
−HK$462/mo
Today · 4.125%
HK$17,931
baseline
▲ 0.50% · 4.625%
HK$18,877
+HK$946/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$35,862/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).