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$8,458
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,721
−HK$267/mo
Today · 4.125%
HK$8,988
baseline
▲ 0.50% · 4.625%
HK$9,535
+HK$547/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,976/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$9,409
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,662
−HK$256/mo
Today · 4.125%
HK$9,918
baseline
▲ 0.50% · 4.625%
HK$10,440
+HK$522/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,836/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$10,150
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,465
−HK$321/mo
Today · 4.125%
HK$10,786
baseline
▲ 0.50% · 4.625%
HK$11,442
+HK$656/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$21,572/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$11,291
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,594
−HK$307/mo
Today · 4.125%
HK$11,901
baseline
▲ 0.50% · 4.625%
HK$12,529
+HK$628/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$23,802/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$11,841
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,209
−HK$375/mo
Today · 4.125%
HK$12,584
baseline
▲ 0.50% · 4.625%
HK$13,349
+HK$765/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,168/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$13,173
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,526
−HK$359/mo
Today · 4.125%
HK$13,885
baseline
▲ 0.50% · 4.625%
HK$14,617
+HK$732/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,770/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$15,224
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,698
−HK$481/mo
Today · 4.125%
HK$16,179
baseline
▲ 0.50% · 4.625%
HK$17,163
+HK$984/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,358/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$16,937
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,391
−HK$461/mo
Today · 4.125%
HK$17,852
baseline
▲ 0.50% · 4.625%
HK$18,793
+HK$941/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,704/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).