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$8,450
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,713
−HK$267/mo
Today · 4.125%
HK$8,980
baseline
▲ 0.50% · 4.625%
HK$9,526
+HK$546/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,960/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$9,400
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,652
−HK$256/mo
Today · 4.125%
HK$9,908
baseline
▲ 0.50% · 4.625%
HK$10,430
+HK$522/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,816/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$10,140
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,455
−HK$321/mo
Today · 4.125%
HK$10,776
baseline
▲ 0.50% · 4.625%
HK$11,431
+HK$655/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,552/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$11,280
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,583
−HK$307/mo
Today · 4.125%
HK$11,890
baseline
▲ 0.50% · 4.625%
HK$12,517
+HK$627/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,780/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$11,830
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,198
−HK$374/mo
Today · 4.125%
HK$12,572
baseline
▲ 0.50% · 4.625%
HK$13,336
+HK$764/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,144/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$13,160
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,513
−HK$358/mo
Today · 4.125%
HK$13,871
baseline
▲ 0.50% · 4.625%
HK$14,603
+HK$732/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,742/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$15,210
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,683
−HK$480/mo
Today · 4.125%
HK$16,163
baseline
▲ 0.50% · 4.625%
HK$17,147
+HK$984/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,326/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$16,921
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,374
−HK$461/mo
Today · 4.125%
HK$17,835
baseline
▲ 0.50% · 4.625%
HK$18,775
+HK$940/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,670/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).