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$8,485
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,749
−HK$269/mo
Today · 4.125%
HK$9,018
baseline
▲ 0.50% · 4.625%
HK$9,566
+HK$548/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,036/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$9,440
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,693
−HK$257/mo
Today · 4.125%
HK$9,950
baseline
▲ 0.50% · 4.625%
HK$10,474
+HK$524/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,900/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$10,182
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,499
−HK$322/mo
Today · 4.125%
HK$10,821
baseline
▲ 0.50% · 4.625%
HK$11,479
+HK$658/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,642/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$11,328
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,632
−HK$308/mo
Today · 4.125%
HK$11,940
baseline
▲ 0.50% · 4.625%
HK$12,569
+HK$629/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,880/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$11,880
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,249
−HK$376/mo
Today · 4.125%
HK$12,625
baseline
▲ 0.50% · 4.625%
HK$13,393
+HK$768/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$25,250/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$13,216
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,570
−HK$360/mo
Today · 4.125%
HK$13,930
baseline
▲ 0.50% · 4.625%
HK$14,664
+HK$734/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$27,860/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$15,274
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,749
−HK$483/mo
Today · 4.125%
HK$16,232
baseline
▲ 0.50% · 4.625%
HK$17,219
+HK$987/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,464/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$16,992
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,448
−HK$462/mo
Today · 4.125%
HK$17,910
baseline
▲ 0.50% · 4.625%
HK$18,854
+HK$944/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,820/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).