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$8,462
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,725
−HK$267/mo
Today · 4.125%
HK$8,992
baseline
▲ 0.50% · 4.625%
HK$9,539
+HK$547/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$17,984/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$9,413
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,666
−HK$256/mo
Today · 4.125%
HK$9,922
baseline
▲ 0.50% · 4.625%
HK$10,445
+HK$523/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,844/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$10,154
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,470
−HK$321/mo
Today · 4.125%
HK$10,791
baseline
▲ 0.50% · 4.625%
HK$11,447
+HK$656/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$21,582/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,296
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,599
−HK$307/mo
Today · 4.125%
HK$11,906
baseline
▲ 0.50% · 4.625%
HK$12,534
+HK$628/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$23,812/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,846
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,215
−HK$374/mo
Today · 4.125%
HK$12,589
baseline
▲ 0.50% · 4.625%
HK$13,355
+HK$766/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,178/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,179
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,532
−HK$359/mo
Today · 4.125%
HK$13,891
baseline
▲ 0.50% · 4.625%
HK$14,623
+HK$732/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,782/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,231
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,705
−HK$481/mo
Today · 4.125%
HK$16,186
baseline
▲ 0.50% · 4.625%
HK$17,171
+HK$985/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,372/mo (50% DSR)
Upfront cash ≈ HK$371K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,944
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,399
−HK$461/mo
Today · 4.125%
HK$17,860
baseline
▲ 0.50% · 4.625%
HK$18,801
+HK$941/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,720/mo (50% DSR)
Upfront cash ≈ HK$371K (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).