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$8,487
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,751
−HK$269/mo
Today · 4.125%
HK$9,020
baseline
▲ 0.50% · 4.625%
HK$9,569
+HK$549/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,040/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$9,442
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,695
−HK$257/mo
Today · 4.125%
HK$9,952
baseline
▲ 0.50% · 4.625%
HK$10,477
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,904/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$10,185
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,502
−HK$322/mo
Today · 4.125%
HK$10,824
baseline
▲ 0.50% · 4.625%
HK$11,482
+HK$658/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,648/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$11,331
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,635
−HK$308/mo
Today · 4.125%
HK$11,943
baseline
▲ 0.50% · 4.625%
HK$12,572
+HK$629/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,886/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$11,882
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,252
−HK$376/mo
Today · 4.125%
HK$12,628
baseline
▲ 0.50% · 4.625%
HK$13,396
+HK$768/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,256/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$13,219
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,574
−HK$359/mo
Today · 4.125%
HK$13,933
baseline
▲ 0.50% · 4.625%
HK$14,668
+HK$735/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,866/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$15,277
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,753
−HK$483/mo
Today · 4.125%
HK$16,236
baseline
▲ 0.50% · 4.625%
HK$17,223
+HK$987/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,472/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$16,996
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,452
−HK$462/mo
Today · 4.125%
HK$17,914
baseline
▲ 0.50% · 4.625%
HK$18,859
+HK$945/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,828/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).