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$8,501
−HK$533/mo
▼ 0.25% · 3.875%
HK$8,765
−HK$269/mo
Today · 4.125%
HK$9,034
baseline
▲ 0.50% · 4.625%
HK$9,584
+HK$550/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,068/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$9,457
−HK$511/mo
▼ 0.25% · 3.875%
HK$9,711
−HK$257/mo
Today · 4.125%
HK$9,968
baseline
▲ 0.50% · 4.625%
HK$10,494
+HK$526/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,936/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$10,201
−HK$640/mo
▼ 0.25% · 3.875%
HK$10,518
−HK$323/mo
Today · 4.125%
HK$10,841
baseline
▲ 0.50% · 4.625%
HK$11,500
+HK$659/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$21,682/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$11,349
−HK$613/mo
▼ 0.25% · 3.875%
HK$11,653
−HK$309/mo
Today · 4.125%
HK$11,962
baseline
▲ 0.50% · 4.625%
HK$12,592
+HK$630/mo
Deposit HK$1.49M · loan HK$2.24M · min. income ≈ HK$23,924/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$11,901
−HK$747/mo
▼ 0.25% · 3.875%
HK$12,271
−HK$377/mo
Today · 4.125%
HK$12,648
baseline
▲ 0.50% · 4.625%
HK$13,417
+HK$769/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$25,296/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$13,240
−HK$715/mo
▼ 0.25% · 3.875%
HK$13,595
−HK$360/mo
Today · 4.125%
HK$13,955
baseline
▲ 0.50% · 4.625%
HK$14,691
+HK$736/mo
Deposit HK$1.12M · loan HK$2.61M · min. income ≈ HK$27,910/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$15,302
−HK$959/mo
▼ 0.25% · 3.875%
HK$15,778
−HK$483/mo
Today · 4.125%
HK$16,261
baseline
▲ 0.50% · 4.625%
HK$17,251
+HK$990/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$32,522/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$17,023
−HK$920/mo
▼ 0.25% · 3.875%
HK$17,479
−HK$464/mo
Today · 4.125%
HK$17,943
baseline
▲ 0.50% · 4.625%
HK$18,888
+HK$945/mo
Deposit HK$373K · loan HK$3.36M · min. income ≈ HK$35,886/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).