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$8,461
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,724
−HK$267/mo
Today · 4.125%
HK$8,991
baseline
▲ 0.50% · 4.625%
HK$9,538
+HK$547/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$17,982/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$9,412
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,665
−HK$256/mo
Today · 4.125%
HK$9,921
baseline
▲ 0.50% · 4.625%
HK$10,444
+HK$523/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,842/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$10,153
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,469
−HK$320/mo
Today · 4.125%
HK$10,789
baseline
▲ 0.50% · 4.625%
HK$11,446
+HK$657/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$21,578/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$11,295
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,598
−HK$307/mo
Today · 4.125%
HK$11,905
baseline
▲ 0.50% · 4.625%
HK$12,533
+HK$628/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$23,810/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$11,845
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,213
−HK$375/mo
Today · 4.125%
HK$12,588
baseline
▲ 0.50% · 4.625%
HK$13,354
+HK$766/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,176/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$13,177
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,531
−HK$358/mo
Today · 4.125%
HK$13,889
baseline
▲ 0.50% · 4.625%
HK$14,621
+HK$732/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,778/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$15,229
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,703
−HK$481/mo
Today · 4.125%
HK$16,184
baseline
▲ 0.50% · 4.625%
HK$17,169
+HK$985/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,368/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$16,942
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,397
−HK$461/mo
Today · 4.125%
HK$17,858
baseline
▲ 0.50% · 4.625%
HK$18,799
+HK$941/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,716/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).