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$8,466
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,730
−HK$267/mo
Today · 4.125%
HK$8,997
baseline
▲ 0.50% · 4.625%
HK$9,545
+HK$548/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$17,994/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$9,419
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,671
−HK$257/mo
Today · 4.125%
HK$9,928
baseline
▲ 0.50% · 4.625%
HK$10,451
+HK$523/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,856/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$10,160
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,476
−HK$321/mo
Today · 4.125%
HK$10,797
baseline
▲ 0.50% · 4.625%
HK$11,454
+HK$657/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,594/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$11,302
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,606
−HK$307/mo
Today · 4.125%
HK$11,913
baseline
▲ 0.50% · 4.625%
HK$12,541
+HK$628/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,826/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$11,853
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,222
−HK$374/mo
Today · 4.125%
HK$12,596
baseline
▲ 0.50% · 4.625%
HK$13,363
+HK$767/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,192/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$13,186
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,540
−HK$359/mo
Today · 4.125%
HK$13,899
baseline
▲ 0.50% · 4.625%
HK$14,631
+HK$732/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,798/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$15,239
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,713
−HK$482/mo
Today · 4.125%
HK$16,195
baseline
▲ 0.50% · 4.625%
HK$17,181
+HK$986/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,390/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$16,954
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,408
−HK$462/mo
Today · 4.125%
HK$17,870
baseline
▲ 0.50% · 4.625%
HK$18,812
+HK$942/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,740/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).