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$8,465
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,728
−HK$268/mo
Today · 4.125%
HK$8,996
baseline
▲ 0.50% · 4.625%
HK$9,543
+HK$547/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$17,992/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$9,417
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,670
−HK$256/mo
Today · 4.125%
HK$9,926
baseline
▲ 0.50% · 4.625%
HK$10,449
+HK$523/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,852/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$10,158
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,474
−HK$321/mo
Today · 4.125%
HK$10,795
baseline
▲ 0.50% · 4.625%
HK$11,452
+HK$657/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$21,590/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$11,300
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,603
−HK$308/mo
Today · 4.125%
HK$11,911
baseline
▲ 0.50% · 4.625%
HK$12,539
+HK$628/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$23,822/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$11,851
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,219
−HK$375/mo
Today · 4.125%
HK$12,594
baseline
▲ 0.50% · 4.625%
HK$13,360
+HK$766/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,188/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$13,184
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,537
−HK$359/mo
Today · 4.125%
HK$13,896
baseline
▲ 0.50% · 4.625%
HK$14,629
+HK$733/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,792/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$15,237
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,711
−HK$481/mo
Today · 4.125%
HK$16,192
baseline
▲ 0.50% · 4.625%
HK$17,177
+HK$985/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,384/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$16,951
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,405
−HK$461/mo
Today · 4.125%
HK$17,866
baseline
▲ 0.50% · 4.625%
HK$18,808
+HK$942/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,732/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).