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$8,456
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,719
−HK$268/mo
Today · 4.125%
HK$8,987
baseline
▲ 0.50% · 4.625%
HK$9,533
+HK$546/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$508/mo
▼ 0.25% · 3.875%
HK$9,660
−HK$256/mo
Today · 4.125%
HK$9,916
baseline
▲ 0.50% · 4.625%
HK$10,439
+HK$523/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,832/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$10,148
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,463
−HK$321/mo
Today · 4.125%
HK$10,784
baseline
▲ 0.50% · 4.625%
HK$11,440
+HK$656/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$21,568/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$11,289
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,592
−HK$307/mo
Today · 4.125%
HK$11,899
baseline
▲ 0.50% · 4.625%
HK$12,526
+HK$627/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$23,798/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$11,839
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,207
−HK$374/mo
Today · 4.125%
HK$12,581
baseline
▲ 0.50% · 4.625%
HK$13,347
+HK$766/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,162/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$13,171
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,524
−HK$358/mo
Today · 4.125%
HK$13,882
baseline
▲ 0.50% · 4.625%
HK$14,614
+HK$732/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,764/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$15,221
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,695
−HK$481/mo
Today · 4.125%
HK$16,176
baseline
▲ 0.50% · 4.625%
HK$17,160
+HK$984/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,352/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$16,934
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,388
−HK$461/mo
Today · 4.125%
HK$17,849
baseline
▲ 0.50% · 4.625%
HK$18,789
+HK$940/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,698/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).