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$8,504
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,769
−HK$268/mo
Today · 4.125%
HK$9,037
baseline
▲ 0.50% · 4.625%
HK$9,587
+HK$550/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,074/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$9,461
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,714
−HK$258/mo
Today · 4.125%
HK$9,972
baseline
▲ 0.50% · 4.625%
HK$10,497
+HK$525/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,944/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$10,205
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,522
−HK$323/mo
Today · 4.125%
HK$10,845
baseline
▲ 0.50% · 4.625%
HK$11,505
+HK$660/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,690/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$11,353
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,657
−HK$309/mo
Today · 4.125%
HK$11,966
baseline
▲ 0.50% · 4.625%
HK$12,597
+HK$631/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,932/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$11,906
−HK$746/mo
▼ 0.25% · 3.875%
HK$12,276
−HK$376/mo
Today · 4.125%
HK$12,652
baseline
▲ 0.50% · 4.625%
HK$13,422
+HK$770/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,304/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$13,245
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,600
−HK$360/mo
Today · 4.125%
HK$13,960
baseline
▲ 0.50% · 4.625%
HK$14,696
+HK$736/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,920/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$15,307
−HK$960/mo
▼ 0.25% · 3.875%
HK$15,783
−HK$484/mo
Today · 4.125%
HK$16,267
baseline
▲ 0.50% · 4.625%
HK$17,257
+HK$990/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$32,534/mo (50% DSR)
Upfront cash ≈ HK$373K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,029
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,486
−HK$463/mo
Today · 4.125%
HK$17,949
baseline
▲ 0.50% · 4.625%
HK$18,895
+HK$946/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$35,898/mo (50% DSR)
Upfront cash ≈ HK$373K (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).