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$8,452
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,715
−HK$267/mo
Today · 4.125%
HK$8,982
baseline
▲ 0.50% · 4.625%
HK$9,529
+HK$547/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,964/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$9,403
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,655
−HK$256/mo
Today · 4.125%
HK$9,911
baseline
▲ 0.50% · 4.625%
HK$10,433
+HK$522/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,822/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$10,142
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,458
−HK$320/mo
Today · 4.125%
HK$10,778
baseline
▲ 0.50% · 4.625%
HK$11,434
+HK$656/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,556/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$11,283
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,586
−HK$307/mo
Today · 4.125%
HK$11,893
baseline
▲ 0.50% · 4.625%
HK$12,520
+HK$627/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,786/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$11,833
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,201
−HK$374/mo
Today · 4.125%
HK$12,575
baseline
▲ 0.50% · 4.625%
HK$13,340
+HK$765/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,150/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$13,164
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,517
−HK$358/mo
Today · 4.125%
HK$13,875
baseline
▲ 0.50% · 4.625%
HK$14,606
+HK$731/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,750/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$15,214
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,687
−HK$481/mo
Today · 4.125%
HK$16,168
baseline
▲ 0.50% · 4.625%
HK$17,151
+HK$983/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,336/mo (50% DSR)
Upfront cash ≈ HK$371K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,925
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,379
−HK$460/mo
Today · 4.125%
HK$17,839
baseline
▲ 0.50% · 4.625%
HK$18,780
+HK$941/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,678/mo (50% DSR)
Upfront cash ≈ HK$371K (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).