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$8,488
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,752
−HK$268/mo
Today · 4.125%
HK$9,020
baseline
▲ 0.50% · 4.625%
HK$9,569
+HK$549/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,040/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$9,443
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,696
−HK$257/mo
Today · 4.125%
HK$9,953
baseline
▲ 0.50% · 4.625%
HK$10,478
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,906/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$10,186
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,503
−HK$321/mo
Today · 4.125%
HK$10,824
baseline
▲ 0.50% · 4.625%
HK$11,483
+HK$659/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,648/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$11,332
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,635
−HK$309/mo
Today · 4.125%
HK$11,944
baseline
▲ 0.50% · 4.625%
HK$12,573
+HK$629/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,888/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$11,883
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,253
−HK$376/mo
Today · 4.125%
HK$12,629
baseline
▲ 0.50% · 4.625%
HK$13,397
+HK$768/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,258/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$13,220
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,575
−HK$359/mo
Today · 4.125%
HK$13,934
baseline
▲ 0.50% · 4.625%
HK$14,669
+HK$735/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,868/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$15,279
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,754
−HK$483/mo
Today · 4.125%
HK$16,237
baseline
▲ 0.50% · 4.625%
HK$17,225
+HK$988/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,474/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$16,997
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,453
−HK$463/mo
Today · 4.125%
HK$17,916
baseline
▲ 0.50% · 4.625%
HK$18,860
+HK$944/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,832/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).