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$8,415
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,677
−HK$266/mo
Today · 4.125%
HK$8,943
baseline
▲ 0.50% · 4.625%
HK$9,487
+HK$544/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,886/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,362
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,613
−HK$255/mo
Today · 4.125%
HK$9,868
baseline
▲ 0.50% · 4.625%
HK$10,388
+HK$520/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,736/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,098
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,413
−HK$319/mo
Today · 4.125%
HK$10,732
baseline
▲ 0.50% · 4.625%
HK$11,385
+HK$653/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$21,464/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,234
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,536
−HK$305/mo
Today · 4.125%
HK$11,841
baseline
▲ 0.50% · 4.625%
HK$12,466
+HK$625/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$23,682/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,782
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,148
−HK$372/mo
Today · 4.125%
HK$12,520
baseline
▲ 0.50% · 4.625%
HK$13,282
+HK$762/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,040/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$13,107
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,458
−HK$357/mo
Today · 4.125%
HK$13,815
baseline
▲ 0.50% · 4.625%
HK$14,543
+HK$728/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,630/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$15,148
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,619
−HK$479/mo
Today · 4.125%
HK$16,098
baseline
▲ 0.50% · 4.625%
HK$17,077
+HK$979/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,196/mo (50% DSR)
Upfront cash ≈ HK$369K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,852
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,304
−HK$458/mo
Today · 4.125%
HK$17,762
baseline
▲ 0.50% · 4.625%
HK$18,698
+HK$936/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,524/mo (50% DSR)
Upfront cash ≈ HK$369K (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).