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$533/mo
▼ 0.25% · 3.875%
HK$8,756
−HK$269/mo
Today · 4.125%
HK$9,025
baseline
▲ 0.50% · 4.625%
HK$9,574
+HK$549/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,050/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$9,448
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,701
−HK$257/mo
Today · 4.125%
HK$9,958
baseline
▲ 0.50% · 4.625%
HK$10,483
+HK$525/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$10,191
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,508
−HK$322/mo
Today · 4.125%
HK$10,830
baseline
▲ 0.50% · 4.625%
HK$11,489
+HK$659/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,660/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$613/mo
▼ 0.25% · 3.875%
HK$11,641
−HK$309/mo
Today · 4.125%
HK$11,950
baseline
▲ 0.50% · 4.625%
HK$12,579
+HK$629/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,900/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$746/mo
▼ 0.25% · 3.875%
HK$12,259
−HK$376/mo
Today · 4.125%
HK$12,635
baseline
▲ 0.50% · 4.625%
HK$13,403
+HK$768/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,270/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$13,227
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,581
−HK$360/mo
Today · 4.125%
HK$13,941
baseline
▲ 0.50% · 4.625%
HK$14,676
+HK$735/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$15,286
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,761
−HK$484/mo
Today · 4.125%
HK$16,245
baseline
▲ 0.50% · 4.625%
HK$17,233
+HK$988/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,490/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$17,006
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,462
−HK$462/mo
Today · 4.125%
HK$17,924
baseline
▲ 0.50% · 4.625%
HK$18,869
+HK$945/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).