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$8,500
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,765
−HK$268/mo
Today · 4.125%
HK$9,033
baseline
▲ 0.50% · 4.625%
HK$9,583
+HK$550/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,066/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$9,457
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,710
−HK$258/mo
Today · 4.125%
HK$9,968
baseline
▲ 0.50% · 4.625%
HK$10,493
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,936/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$10,200
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,518
−HK$322/mo
Today · 4.125%
HK$10,840
baseline
▲ 0.50% · 4.625%
HK$11,500
+HK$660/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,680/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$11,348
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,652
−HK$309/mo
Today · 4.125%
HK$11,961
baseline
▲ 0.50% · 4.625%
HK$12,591
+HK$630/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,922/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$11,901
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,271
−HK$376/mo
Today · 4.125%
HK$12,647
baseline
▲ 0.50% · 4.625%
HK$13,416
+HK$769/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,294/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$13,239
−HK$716/mo
▼ 0.25% · 3.875%
HK$13,594
−HK$361/mo
Today · 4.125%
HK$13,955
baseline
▲ 0.50% · 4.625%
HK$14,690
+HK$735/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,910/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$15,301
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,777
−HK$483/mo
Today · 4.125%
HK$16,260
baseline
▲ 0.50% · 4.625%
HK$17,250
+HK$990/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$32,520/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$17,022
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,478
−HK$464/mo
Today · 4.125%
HK$17,942
baseline
▲ 0.50% · 4.625%
HK$18,887
+HK$945/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$35,884/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).