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$8,487
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,751
−HK$268/mo
Today · 4.125%
HK$9,019
baseline
▲ 0.50% · 4.625%
HK$9,568
+HK$549/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,038/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$9,441
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,695
−HK$257/mo
Today · 4.125%
HK$9,952
baseline
▲ 0.50% · 4.625%
HK$10,476
+HK$524/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,904/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$10,184
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,501
−HK$322/mo
Today · 4.125%
HK$10,823
baseline
▲ 0.50% · 4.625%
HK$11,481
+HK$658/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,646/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$11,330
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,634
−HK$308/mo
Today · 4.125%
HK$11,942
baseline
▲ 0.50% · 4.625%
HK$12,571
+HK$629/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,884/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$11,881
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,251
−HK$376/mo
Today · 4.125%
HK$12,627
baseline
▲ 0.50% · 4.625%
HK$13,395
+HK$768/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,254/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$13,218
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,573
−HK$359/mo
Today · 4.125%
HK$13,932
baseline
▲ 0.50% · 4.625%
HK$14,667
+HK$735/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,864/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$15,276
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,751
−HK$483/mo
Today · 4.125%
HK$16,234
baseline
▲ 0.50% · 4.625%
HK$17,222
+HK$988/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,468/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$16,995
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,450
−HK$463/mo
Today · 4.125%
HK$17,913
baseline
▲ 0.50% · 4.625%
HK$18,857
+HK$944/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,826/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).