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$8,491
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,755
−HK$268/mo
Today · 4.125%
HK$9,023
baseline
▲ 0.50% · 4.625%
HK$9,572
+HK$549/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,046/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$9,446
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,699
−HK$257/mo
Today · 4.125%
HK$9,956
baseline
▲ 0.50% · 4.625%
HK$10,481
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,912/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$10,189
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,506
−HK$322/mo
Today · 4.125%
HK$10,828
baseline
▲ 0.50% · 4.625%
HK$11,487
+HK$659/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,656/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$11,335
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,639
−HK$309/mo
Today · 4.125%
HK$11,948
baseline
▲ 0.50% · 4.625%
HK$12,577
+HK$629/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,896/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$11,887
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,257
−HK$376/mo
Today · 4.125%
HK$12,633
baseline
▲ 0.50% · 4.625%
HK$13,401
+HK$768/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,266/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$13,225
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,579
−HK$360/mo
Today · 4.125%
HK$13,939
baseline
▲ 0.50% · 4.625%
HK$14,674
+HK$735/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,878/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$15,284
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,759
−HK$483/mo
Today · 4.125%
HK$16,242
baseline
▲ 0.50% · 4.625%
HK$17,230
+HK$988/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,484/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$17,003
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,459
−HK$463/mo
Today · 4.125%
HK$17,922
baseline
▲ 0.50% · 4.625%
HK$18,866
+HK$944/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,844/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).