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$8,503
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,767
−HK$269/mo
Today · 4.125%
HK$9,036
baseline
▲ 0.50% · 4.625%
HK$9,586
+HK$550/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,072/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$9,459
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,713
−HK$257/mo
Today · 4.125%
HK$9,970
baseline
▲ 0.50% · 4.625%
HK$10,496
+HK$526/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,940/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$10,203
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,521
−HK$322/mo
Today · 4.125%
HK$10,843
baseline
▲ 0.50% · 4.625%
HK$11,503
+HK$660/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,686/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$11,351
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,655
−HK$309/mo
Today · 4.125%
HK$11,964
baseline
▲ 0.50% · 4.625%
HK$12,595
+HK$631/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,928/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$11,904
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,274
−HK$376/mo
Today · 4.125%
HK$12,650
baseline
▲ 0.50% · 4.625%
HK$13,420
+HK$770/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,300/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$13,243
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,598
−HK$360/mo
Today · 4.125%
HK$13,958
baseline
▲ 0.50% · 4.625%
HK$14,694
+HK$736/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,916/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$15,305
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,781
−HK$484/mo
Today · 4.125%
HK$16,265
baseline
▲ 0.50% · 4.625%
HK$17,254
+HK$989/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$32,530/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$17,027
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,483
−HK$463/mo
Today · 4.125%
HK$17,946
baseline
▲ 0.50% · 4.625%
HK$18,892
+HK$946/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$35,892/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).