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$8,457
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,720
−HK$267/mo
Today · 4.125%
HK$8,987
baseline
▲ 0.50% · 4.625%
HK$9,534
+HK$547/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,974/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$9,408
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,661
−HK$256/mo
Today · 4.125%
HK$9,917
baseline
▲ 0.50% · 4.625%
HK$10,439
+HK$522/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,834/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$10,149
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,464
−HK$321/mo
Today · 4.125%
HK$10,785
baseline
▲ 0.50% · 4.625%
HK$11,441
+HK$656/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$21,570/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$11,290
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,593
−HK$307/mo
Today · 4.125%
HK$11,900
baseline
▲ 0.50% · 4.625%
HK$12,527
+HK$627/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$23,800/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$11,840
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,208
−HK$374/mo
Today · 4.125%
HK$12,582
baseline
▲ 0.50% · 4.625%
HK$13,348
+HK$766/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,164/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$13,172
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,525
−HK$358/mo
Today · 4.125%
HK$13,883
baseline
▲ 0.50% · 4.625%
HK$14,615
+HK$732/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,766/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$15,223
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,696
−HK$481/mo
Today · 4.125%
HK$16,177
baseline
▲ 0.50% · 4.625%
HK$17,162
+HK$985/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,354/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$16,935
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,389
−HK$461/mo
Today · 4.125%
HK$17,850
baseline
▲ 0.50% · 4.625%
HK$18,791
+HK$941/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,700/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).