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$8,476
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,740
−HK$268/mo
Today · 4.125%
HK$9,008
baseline
▲ 0.50% · 4.625%
HK$9,556
+HK$548/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,016/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$9,430
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,683
−HK$256/mo
Today · 4.125%
HK$9,939
baseline
▲ 0.50% · 4.625%
HK$10,463
+HK$524/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,878/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$10,171
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,488
−HK$321/mo
Today · 4.125%
HK$10,809
baseline
▲ 0.50% · 4.625%
HK$11,467
+HK$658/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,618/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$11,316
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,619
−HK$308/mo
Today · 4.125%
HK$11,927
baseline
▲ 0.50% · 4.625%
HK$12,556
+HK$629/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,854/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$11,867
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,236
−HK$375/mo
Today · 4.125%
HK$12,611
baseline
▲ 0.50% · 4.625%
HK$13,378
+HK$767/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$25,222/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$13,202
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,556
−HK$359/mo
Today · 4.125%
HK$13,915
baseline
▲ 0.50% · 4.625%
HK$14,648
+HK$733/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$27,830/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$15,257
−HK$957/mo
▼ 0.25% · 3.875%
HK$15,732
−HK$482/mo
Today · 4.125%
HK$16,214
baseline
▲ 0.50% · 4.625%
HK$17,201
+HK$987/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,428/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$16,973
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,429
−HK$461/mo
Today · 4.125%
HK$17,890
baseline
▲ 0.50% · 4.625%
HK$18,834
+HK$944/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,780/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).