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$8,447
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,710
−HK$267/mo
Today · 4.125%
HK$8,977
baseline
▲ 0.50% · 4.625%
HK$9,523
+HK$546/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,954/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$9,397
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,649
−HK$256/mo
Today · 4.125%
HK$9,905
baseline
▲ 0.50% · 4.625%
HK$10,427
+HK$522/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,810/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$10,136
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,452
−HK$320/mo
Today · 4.125%
HK$10,772
baseline
▲ 0.50% · 4.625%
HK$11,427
+HK$655/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,544/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$11,276
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,579
−HK$307/mo
Today · 4.125%
HK$11,886
baseline
▲ 0.50% · 4.625%
HK$12,512
+HK$626/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,772/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$11,826
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,193
−HK$374/mo
Today · 4.125%
HK$12,567
baseline
▲ 0.50% · 4.625%
HK$13,332
+HK$765/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,134/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$13,156
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,509
−HK$358/mo
Today · 4.125%
HK$13,867
baseline
▲ 0.50% · 4.625%
HK$14,598
+HK$731/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,734/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$15,204
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,677
−HK$481/mo
Today · 4.125%
HK$16,158
baseline
▲ 0.50% · 4.625%
HK$17,141
+HK$983/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,316/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$16,915
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,368
−HK$461/mo
Today · 4.125%
HK$17,829
baseline
▲ 0.50% · 4.625%
HK$18,768
+HK$939/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,658/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).