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$8,424
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,686
−HK$266/mo
Today · 4.125%
HK$8,952
baseline
▲ 0.50% · 4.625%
HK$9,497
+HK$545/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,904/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$9,371
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,623
−HK$255/mo
Today · 4.125%
HK$9,878
baseline
▲ 0.50% · 4.625%
HK$10,398
+HK$520/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,756/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$10,108
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,423
−HK$319/mo
Today · 4.125%
HK$10,742
baseline
▲ 0.50% · 4.625%
HK$11,396
+HK$654/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,484/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$11,246
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,547
−HK$306/mo
Today · 4.125%
HK$11,853
baseline
▲ 0.50% · 4.625%
HK$12,478
+HK$625/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,706/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$11,793
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,160
−HK$373/mo
Today · 4.125%
HK$12,533
baseline
▲ 0.50% · 4.625%
HK$13,295
+HK$762/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,066/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$13,120
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,472
−HK$357/mo
Today · 4.125%
HK$13,829
baseline
▲ 0.50% · 4.625%
HK$14,558
+HK$729/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,658/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$15,163
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,634
−HK$479/mo
Today · 4.125%
HK$16,113
baseline
▲ 0.50% · 4.625%
HK$17,094
+HK$981/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,226/mo (50% DSR)
Upfront cash ≈ HK$370K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,868
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,321
−HK$459/mo
Today · 4.125%
HK$17,780
baseline
▲ 0.50% · 4.625%
HK$18,717
+HK$937/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,560/mo (50% DSR)
Upfront cash ≈ HK$370K (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).