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$8,499
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,763
−HK$269/mo
Today · 4.125%
HK$9,032
baseline
▲ 0.50% · 4.625%
HK$9,581
+HK$549/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,064/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$9,455
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,708
−HK$258/mo
Today · 4.125%
HK$9,966
baseline
▲ 0.50% · 4.625%
HK$10,491
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,932/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$10,198
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,516
−HK$322/mo
Today · 4.125%
HK$10,838
baseline
▲ 0.50% · 4.625%
HK$11,497
+HK$659/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,676/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$11,346
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,650
−HK$309/mo
Today · 4.125%
HK$11,959
baseline
▲ 0.50% · 4.625%
HK$12,589
+HK$630/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,918/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$11,898
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,268
−HK$376/mo
Today · 4.125%
HK$12,644
baseline
▲ 0.50% · 4.625%
HK$13,414
+HK$770/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,288/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$13,237
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,592
−HK$360/mo
Today · 4.125%
HK$13,952
baseline
▲ 0.50% · 4.625%
HK$14,687
+HK$735/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,904/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$15,298
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,774
−HK$483/mo
Today · 4.125%
HK$16,257
baseline
▲ 0.50% · 4.625%
HK$17,246
+HK$989/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$32,514/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$17,019
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,475
−HK$463/mo
Today · 4.125%
HK$17,938
baseline
▲ 0.50% · 4.625%
HK$18,884
+HK$946/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$35,876/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).