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$529/mo
▼ 0.25% · 3.875%
HK$8,712
−HK$267/mo
Today · 4.125%
HK$8,979
baseline
▲ 0.50% · 4.625%
HK$9,526
+HK$547/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,958/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$10,139
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,455
−HK$320/mo
Today · 4.125%
HK$10,775
baseline
▲ 0.50% · 4.625%
HK$11,431
+HK$656/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,550/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$609/mo
▼ 0.25% · 3.875%
HK$11,583
−HK$306/mo
Today · 4.125%
HK$11,889
baseline
▲ 0.50% · 4.625%
HK$12,516
+HK$627/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,778/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$11,829
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,197
−HK$374/mo
Today · 4.125%
HK$12,571
baseline
▲ 0.50% · 4.625%
HK$13,336
+HK$765/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,142/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$14,602
+HK$731/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$15,209
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,682
−HK$481/mo
Today · 4.125%
HK$16,163
baseline
▲ 0.50% · 4.625%
HK$17,146
+HK$983/mo
Deposit HK$371K · loan HK$3.33M · 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$16,920
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,374
−HK$460/mo
Today · 4.125%
HK$17,834
baseline
▲ 0.50% · 4.625%
HK$18,774
+HK$940/mo
Deposit HK$371K · loan HK$3.33M · min. income ≈ HK$35,668/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).