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$8,486
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,750
−HK$268/mo
Today · 4.125%
HK$9,018
baseline
▲ 0.50% · 4.625%
HK$9,567
+HK$549/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$9,694
−HK$256/mo
Today · 4.125%
HK$9,950
baseline
▲ 0.50% · 4.625%
HK$10,475
+HK$525/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$10,183
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,500
−HK$322/mo
Today · 4.125%
HK$10,822
baseline
▲ 0.50% · 4.625%
HK$11,480
+HK$658/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,644/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$12,570
+HK$630/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$12,250
−HK$375/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$13,217
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,571
−HK$360/mo
Today · 4.125%
HK$13,931
baseline
▲ 0.50% · 4.625%
HK$14,665
+HK$734/mo
Deposit HK$1.12M · loan HK$2.60M · min. income ≈ HK$27,862/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$15,750
−HK$482/mo
Today · 4.125%
HK$16,232
baseline
▲ 0.50% · 4.625%
HK$17,220
+HK$988/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$16,993
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,448
−HK$463/mo
Today · 4.125%
HK$17,911
baseline
▲ 0.50% · 4.625%
HK$18,855
+HK$944/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,822/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).