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$529/mo
▼ 0.25% · 3.875%
HK$8,709
−HK$267/mo
Today · 4.125%
HK$8,976
baseline
▲ 0.50% · 4.625%
HK$9,522
+HK$546/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,952/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$507/mo
▼ 0.25% · 3.875%
HK$9,649
−HK$255/mo
Today · 4.125%
HK$9,904
baseline
▲ 0.50% · 4.625%
HK$10,427
+HK$523/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,808/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$10,451
−HK$321/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$609/mo
▼ 0.25% · 3.875%
HK$11,579
−HK$306/mo
Today · 4.125%
HK$11,885
baseline
▲ 0.50% · 4.625%
HK$12,512
+HK$627/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,770/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$11,825
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,193
−HK$374/mo
Today · 4.125%
HK$12,567
baseline
▲ 0.50% · 4.625%
HK$13,331
+HK$764/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$13,155
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,508
−HK$358/mo
Today · 4.125%
HK$13,866
baseline
▲ 0.50% · 4.625%
HK$14,597
+HK$731/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,732/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$953/mo
▼ 0.25% · 3.875%
HK$15,677
−HK$480/mo
Today · 4.125%
HK$16,157
baseline
▲ 0.50% · 4.625%
HK$17,140
+HK$983/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,314/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$16,914
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,368
−HK$460/mo
Today · 4.125%
HK$17,828
baseline
▲ 0.50% · 4.625%
HK$18,768
+HK$940/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,656/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).