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$8,502
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,766
−HK$269/mo
Today · 4.125%
HK$9,035
baseline
▲ 0.50% · 4.625%
HK$9,585
+HK$550/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,070/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$9,458
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,712
−HK$257/mo
Today · 4.125%
HK$9,969
baseline
▲ 0.50% · 4.625%
HK$10,495
+HK$526/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,938/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$10,202
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,519
−HK$323/mo
Today · 4.125%
HK$10,842
baseline
▲ 0.50% · 4.625%
HK$11,502
+HK$660/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,684/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$11,350
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,654
−HK$309/mo
Today · 4.125%
HK$11,963
baseline
▲ 0.50% · 4.625%
HK$12,593
+HK$630/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,926/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$11,902
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,273
−HK$376/mo
Today · 4.125%
HK$12,649
baseline
▲ 0.50% · 4.625%
HK$13,418
+HK$769/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,298/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$13,241
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,596
−HK$361/mo
Today · 4.125%
HK$13,957
baseline
▲ 0.50% · 4.625%
HK$14,692
+HK$735/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,914/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$15,303
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,779
−HK$484/mo
Today · 4.125%
HK$16,263
baseline
▲ 0.50% · 4.625%
HK$17,252
+HK$989/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$32,526/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$17,025
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,481
−HK$463/mo
Today · 4.125%
HK$17,944
baseline
▲ 0.50% · 4.625%
HK$18,890
+HK$946/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$35,888/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).