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$8,464
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,727
−HK$268/mo
Today · 4.125%
HK$8,995
baseline
▲ 0.50% · 4.625%
HK$9,542
+HK$547/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$17,990/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$9,416
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,668
−HK$257/mo
Today · 4.125%
HK$9,925
baseline
▲ 0.50% · 4.625%
HK$10,448
+HK$523/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,850/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$10,157
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,473
−HK$320/mo
Today · 4.125%
HK$10,793
baseline
▲ 0.50% · 4.625%
HK$11,450
+HK$657/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$21,586/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$11,299
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,602
−HK$308/mo
Today · 4.125%
HK$11,910
baseline
▲ 0.50% · 4.625%
HK$12,537
+HK$627/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$23,820/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$11,849
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,218
−HK$374/mo
Today · 4.125%
HK$12,592
baseline
▲ 0.50% · 4.625%
HK$13,359
+HK$767/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,184/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$13,182
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,536
−HK$358/mo
Today · 4.125%
HK$13,894
baseline
▲ 0.50% · 4.625%
HK$14,627
+HK$733/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,788/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$15,235
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,709
−HK$481/mo
Today · 4.125%
HK$16,190
baseline
▲ 0.50% · 4.625%
HK$17,175
+HK$985/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,380/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$16,949
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,403
−HK$461/mo
Today · 4.125%
HK$17,864
baseline
▲ 0.50% · 4.625%
HK$18,806
+HK$942/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,728/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).