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$8,472
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,736
−HK$268/mo
Today · 4.125%
HK$9,004
baseline
▲ 0.50% · 4.625%
HK$9,552
+HK$548/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,008/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$9,425
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,678
−HK$257/mo
Today · 4.125%
HK$9,935
baseline
▲ 0.50% · 4.625%
HK$10,458
+HK$523/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,870/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$10,167
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,483
−HK$321/mo
Today · 4.125%
HK$10,804
baseline
▲ 0.50% · 4.625%
HK$11,462
+HK$658/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,608/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$11,311
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,614
−HK$308/mo
Today · 4.125%
HK$11,922
baseline
▲ 0.50% · 4.625%
HK$12,550
+HK$628/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,844/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$11,861
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,230
−HK$375/mo
Today · 4.125%
HK$12,605
baseline
▲ 0.50% · 4.625%
HK$13,372
+HK$767/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,210/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,196
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,550
−HK$359/mo
Today · 4.125%
HK$13,909
baseline
▲ 0.50% · 4.625%
HK$14,642
+HK$733/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,818/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,250
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,725
−HK$482/mo
Today · 4.125%
HK$16,207
baseline
▲ 0.50% · 4.625%
HK$17,193
+HK$986/mo
Deposit HK$372K · loan HK$3.34M · min. income ≈ HK$32,414/mo (50% DSR)
Upfront cash ≈ HK$372K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,966
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,421
−HK$461/mo
Today · 4.125%
HK$17,882
baseline
▲ 0.50% · 4.625%
HK$18,825
+HK$943/mo
Deposit HK$372K · loan HK$3.34M · min. income ≈ HK$35,764/mo (50% DSR)
Upfront cash ≈ HK$372K (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).