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$8,479
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,743
−HK$268/mo
Today · 4.125%
HK$9,011
baseline
▲ 0.50% · 4.625%
HK$9,559
+HK$548/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,022/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$9,433
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,686
−HK$257/mo
Today · 4.125%
HK$9,943
baseline
▲ 0.50% · 4.625%
HK$10,467
+HK$524/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,886/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$10,175
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,492
−HK$321/mo
Today · 4.125%
HK$10,813
baseline
▲ 0.50% · 4.625%
HK$11,471
+HK$658/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,626/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$11,320
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,623
−HK$308/mo
Today · 4.125%
HK$11,931
baseline
▲ 0.50% · 4.625%
HK$12,560
+HK$629/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,862/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$11,871
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,240
−HK$375/mo
Today · 4.125%
HK$12,615
baseline
▲ 0.50% · 4.625%
HK$13,383
+HK$768/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$25,230/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$13,206
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,561
−HK$359/mo
Today · 4.125%
HK$13,920
baseline
▲ 0.50% · 4.625%
HK$14,654
+HK$734/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$27,840/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$15,263
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,738
−HK$482/mo
Today · 4.125%
HK$16,220
baseline
▲ 0.50% · 4.625%
HK$17,207
+HK$987/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,440/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$16,980
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,435
−HK$462/mo
Today · 4.125%
HK$17,897
baseline
▲ 0.50% · 4.625%
HK$18,840
+HK$943/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,794/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).