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$8,488
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,753
−HK$268/mo
Today · 4.125%
HK$9,021
baseline
▲ 0.50% · 4.625%
HK$9,570
+HK$549/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,042/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$9,443
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,697
−HK$257/mo
Today · 4.125%
HK$9,954
baseline
▲ 0.50% · 4.625%
HK$10,478
+HK$524/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,908/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$10,186
−HK$639/mo
▼ 0.25% · 3.875%
HK$10,503
−HK$322/mo
Today · 4.125%
HK$10,825
baseline
▲ 0.50% · 4.625%
HK$11,484
+HK$659/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,650/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$11,332
−HK$612/mo
▼ 0.25% · 3.875%
HK$11,636
−HK$308/mo
Today · 4.125%
HK$11,944
baseline
▲ 0.50% · 4.625%
HK$12,574
+HK$630/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,888/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$11,884
−HK$745/mo
▼ 0.25% · 3.875%
HK$12,254
−HK$375/mo
Today · 4.125%
HK$12,629
baseline
▲ 0.50% · 4.625%
HK$13,398
+HK$769/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,258/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$13,221
−HK$714/mo
▼ 0.25% · 3.875%
HK$13,575
−HK$360/mo
Today · 4.125%
HK$13,935
baseline
▲ 0.50% · 4.625%
HK$14,669
+HK$734/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,870/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$15,279
−HK$958/mo
▼ 0.25% · 3.875%
HK$15,755
−HK$482/mo
Today · 4.125%
HK$16,237
baseline
▲ 0.50% · 4.625%
HK$17,225
+HK$988/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$32,474/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$16,998
−HK$918/mo
▼ 0.25% · 3.875%
HK$17,454
−HK$462/mo
Today · 4.125%
HK$17,916
baseline
▲ 0.50% · 4.625%
HK$18,861
+HK$945/mo
Deposit HK$372K · loan HK$3.35M · min. income ≈ HK$35,832/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).