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$8,455
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,718
−HK$267/mo
Today · 4.125%
HK$8,985
baseline
▲ 0.50% · 4.625%
HK$9,532
+HK$547/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,970/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$9,406
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,658
−HK$256/mo
Today · 4.125%
HK$9,914
baseline
▲ 0.50% · 4.625%
HK$10,437
+HK$523/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,828/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$10,146
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,461
−HK$321/mo
Today · 4.125%
HK$10,782
baseline
▲ 0.50% · 4.625%
HK$11,438
+HK$656/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,564/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$11,287
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,590
−HK$307/mo
Today · 4.125%
HK$11,897
baseline
▲ 0.50% · 4.625%
HK$12,524
+HK$627/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,794/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$11,837
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,205
−HK$374/mo
Today · 4.125%
HK$12,579
baseline
▲ 0.50% · 4.625%
HK$13,344
+HK$765/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,158/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$13,168
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,521
−HK$359/mo
Today · 4.125%
HK$13,880
baseline
▲ 0.50% · 4.625%
HK$14,611
+HK$731/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,760/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$15,219
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,692
−HK$481/mo
Today · 4.125%
HK$16,173
baseline
▲ 0.50% · 4.625%
HK$17,157
+HK$984/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,346/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$16,931
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,385
−HK$460/mo
Today · 4.125%
HK$17,845
baseline
▲ 0.50% · 4.625%
HK$18,786
+HK$941/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,690/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).