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$8,421
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,683
−HK$266/mo
Today · 4.125%
HK$8,949
baseline
▲ 0.50% · 4.625%
HK$9,494
+HK$545/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,898/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$9,368
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,620
−HK$255/mo
Today · 4.125%
HK$9,875
baseline
▲ 0.50% · 4.625%
HK$10,395
+HK$520/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,750/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$10,105
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,420
−HK$319/mo
Today · 4.125%
HK$10,739
baseline
▲ 0.50% · 4.625%
HK$11,392
+HK$653/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,478/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$11,242
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,544
−HK$305/mo
Today · 4.125%
HK$11,849
baseline
▲ 0.50% · 4.625%
HK$12,474
+HK$625/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,698/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$11,790
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,156
−HK$373/mo
Today · 4.125%
HK$12,529
baseline
▲ 0.50% · 4.625%
HK$13,291
+HK$762/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,058/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$13,116
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,468
−HK$356/mo
Today · 4.125%
HK$13,824
baseline
▲ 0.50% · 4.625%
HK$14,553
+HK$729/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,648/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$15,158
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,629
−HK$480/mo
Today · 4.125%
HK$16,109
baseline
▲ 0.50% · 4.625%
HK$17,089
+HK$980/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,218/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$16,863
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,315
−HK$459/mo
Today · 4.125%
HK$17,774
baseline
▲ 0.50% · 4.625%
HK$18,711
+HK$937/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,548/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).