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$8,448
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,711
−HK$267/mo
Today · 4.125%
HK$8,978
baseline
▲ 0.50% · 4.625%
HK$9,524
+HK$546/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,956/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$9,399
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,651
−HK$255/mo
Today · 4.125%
HK$9,906
baseline
▲ 0.50% · 4.625%
HK$10,429
+HK$523/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,812/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$10,138
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,453
−HK$321/mo
Today · 4.125%
HK$10,774
baseline
▲ 0.50% · 4.625%
HK$11,429
+HK$655/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,548/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$11,278
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,581
−HK$307/mo
Today · 4.125%
HK$11,888
baseline
▲ 0.50% · 4.625%
HK$12,514
+HK$626/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,776/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$11,828
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,196
−HK$373/mo
Today · 4.125%
HK$12,569
baseline
▲ 0.50% · 4.625%
HK$13,334
+HK$765/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,138/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$13,158
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,511
−HK$358/mo
Today · 4.125%
HK$13,869
baseline
▲ 0.50% · 4.625%
HK$14,600
+HK$731/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,738/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$15,207
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,680
−HK$481/mo
Today · 4.125%
HK$16,161
baseline
▲ 0.50% · 4.625%
HK$17,144
+HK$983/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,322/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$16,918
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,371
−HK$461/mo
Today · 4.125%
HK$17,832
baseline
▲ 0.50% · 4.625%
HK$18,772
+HK$940/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,664/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).