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$8,495
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,759
−HK$269/mo
Today · 4.125%
HK$9,028
baseline
▲ 0.50% · 4.625%
HK$9,577
+HK$549/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,056/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$9,450
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,704
−HK$257/mo
Today · 4.125%
HK$9,961
baseline
▲ 0.50% · 4.625%
HK$10,486
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,922/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$10,194
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,511
−HK$322/mo
Today · 4.125%
HK$10,833
baseline
▲ 0.50% · 4.625%
HK$11,492
+HK$659/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,666/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$11,341
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,645
−HK$308/mo
Today · 4.125%
HK$11,953
baseline
▲ 0.50% · 4.625%
HK$12,583
+HK$630/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,906/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$11,893
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,263
−HK$376/mo
Today · 4.125%
HK$12,639
baseline
▲ 0.50% · 4.625%
HK$13,408
+HK$769/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,278/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$13,231
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,585
−HK$360/mo
Today · 4.125%
HK$13,945
baseline
▲ 0.50% · 4.625%
HK$14,681
+HK$736/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,890/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$15,291
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,766
−HK$484/mo
Today · 4.125%
HK$16,250
baseline
▲ 0.50% · 4.625%
HK$17,238
+HK$988/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$32,500/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$17,011
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,467
−HK$463/mo
Today · 4.125%
HK$17,930
baseline
▲ 0.50% · 4.625%
HK$18,875
+HK$945/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$35,860/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).