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$8,498
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,763
−HK$268/mo
Today · 4.125%
HK$9,031
baseline
▲ 0.50% · 4.625%
HK$9,581
+HK$550/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,062/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$9,454
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,708
−HK$257/mo
Today · 4.125%
HK$9,965
baseline
▲ 0.50% · 4.625%
HK$10,490
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,930/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$10,198
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,515
−HK$322/mo
Today · 4.125%
HK$10,837
baseline
▲ 0.50% · 4.625%
HK$11,497
+HK$660/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,674/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$11,345
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,649
−HK$309/mo
Today · 4.125%
HK$11,958
baseline
▲ 0.50% · 4.625%
HK$12,588
+HK$630/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,916/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$11,898
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,268
−HK$376/mo
Today · 4.125%
HK$12,644
baseline
▲ 0.50% · 4.625%
HK$13,413
+HK$769/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,288/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$13,236
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,591
−HK$360/mo
Today · 4.125%
HK$13,951
baseline
▲ 0.50% · 4.625%
HK$14,686
+HK$735/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,902/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$15,297
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,773
−HK$483/mo
Today · 4.125%
HK$16,256
baseline
▲ 0.50% · 4.625%
HK$17,245
+HK$989/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$32,512/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$17,018
−HK$919/mo
▼ 0.25% · 3.875%
HK$17,474
−HK$463/mo
Today · 4.125%
HK$17,937
baseline
▲ 0.50% · 4.625%
HK$18,883
+HK$946/mo
Deposit HK$373K · loan HK$3.35M · min. income ≈ HK$35,874/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).