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$8,451
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,714
−HK$267/mo
Today · 4.125%
HK$8,981
baseline
▲ 0.50% · 4.625%
HK$9,527
+HK$546/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,962/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$9,402
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,654
−HK$255/mo
Today · 4.125%
HK$9,909
baseline
▲ 0.50% · 4.625%
HK$10,432
+HK$523/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,818/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$10,141
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,456
−HK$321/mo
Today · 4.125%
HK$10,777
baseline
▲ 0.50% · 4.625%
HK$11,433
+HK$656/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,554/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$11,282
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,584
−HK$307/mo
Today · 4.125%
HK$11,891
baseline
▲ 0.50% · 4.625%
HK$12,518
+HK$627/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,782/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$11,831
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,199
−HK$374/mo
Today · 4.125%
HK$12,573
baseline
▲ 0.50% · 4.625%
HK$13,338
+HK$765/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,146/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$13,162
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,515
−HK$358/mo
Today · 4.125%
HK$13,873
baseline
▲ 0.50% · 4.625%
HK$14,604
+HK$731/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,746/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$15,212
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,685
−HK$480/mo
Today · 4.125%
HK$16,165
baseline
▲ 0.50% · 4.625%
HK$17,149
+HK$984/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,330/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$16,923
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,377
−HK$460/mo
Today · 4.125%
HK$17,837
baseline
▲ 0.50% · 4.625%
HK$18,777
+HK$940/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,674/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).