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$8,449
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,711
−HK$267/mo
Today · 4.125%
HK$8,978
baseline
▲ 0.50% · 4.625%
HK$9,525
+HK$547/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,956/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$9,399
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,651
−HK$256/mo
Today · 4.125%
HK$9,907
baseline
▲ 0.50% · 4.625%
HK$10,429
+HK$522/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,814/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$10,138
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,454
−HK$320/mo
Today · 4.125%
HK$10,774
baseline
▲ 0.50% · 4.625%
HK$11,430
+HK$656/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,548/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$11,279
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,581
−HK$307/mo
Today · 4.125%
HK$11,888
baseline
▲ 0.50% · 4.625%
HK$12,515
+HK$627/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,776/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$11,828
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,196
−HK$374/mo
Today · 4.125%
HK$12,570
baseline
▲ 0.50% · 4.625%
HK$13,335
+HK$765/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,140/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$13,159
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,512
−HK$358/mo
Today · 4.125%
HK$13,870
baseline
▲ 0.50% · 4.625%
HK$14,601
+HK$731/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,740/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$15,208
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,681
−HK$480/mo
Today · 4.125%
HK$16,161
baseline
▲ 0.50% · 4.625%
HK$17,145
+HK$984/mo
Deposit HK$371K · loan HK$3.33M · min. income ≈ HK$32,322/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$16,918
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,372
−HK$460/mo
Today · 4.125%
HK$17,832
baseline
▲ 0.50% · 4.625%
HK$18,772
+HK$940/mo
Deposit HK$371K · loan HK$3.33M · min. income ≈ HK$35,664/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).