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$8,474
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,737
−HK$268/mo
Today · 4.125%
HK$9,005
baseline
▲ 0.50% · 4.625%
HK$9,553
+HK$548/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$18,010/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$9,427
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,680
−HK$256/mo
Today · 4.125%
HK$9,936
baseline
▲ 0.50% · 4.625%
HK$10,460
+HK$524/mo
Deposit HK$1.86M · loan HK$1.86M · min. income ≈ HK$19,872/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$10,168
−HK$638/mo
▼ 0.25% · 3.875%
HK$10,485
−HK$321/mo
Today · 4.125%
HK$10,806
baseline
▲ 0.50% · 4.625%
HK$11,464
+HK$658/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$21,612/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$11,312
−HK$611/mo
▼ 0.25% · 3.875%
HK$11,616
−HK$307/mo
Today · 4.125%
HK$11,923
baseline
▲ 0.50% · 4.625%
HK$12,552
+HK$629/mo
Deposit HK$1.49M · loan HK$2.23M · min. income ≈ HK$23,846/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$11,863
−HK$744/mo
▼ 0.25% · 3.875%
HK$12,232
−HK$375/mo
Today · 4.125%
HK$12,607
baseline
▲ 0.50% · 4.625%
HK$13,374
+HK$767/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,214/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$13,198
−HK$713/mo
▼ 0.25% · 3.875%
HK$13,552
−HK$359/mo
Today · 4.125%
HK$13,911
baseline
▲ 0.50% · 4.625%
HK$14,644
+HK$733/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,822/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$15,253
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,727
−HK$482/mo
Today · 4.125%
HK$16,209
baseline
▲ 0.50% · 4.625%
HK$17,195
+HK$986/mo
Deposit HK$372K · loan HK$3.34M · min. income ≈ HK$32,418/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$16,968
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,423
−HK$462/mo
Today · 4.125%
HK$17,885
baseline
▲ 0.50% · 4.625%
HK$18,828
+HK$943/mo
Deposit HK$372K · loan HK$3.34M · min. income ≈ HK$35,770/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).