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$531/mo
▼ 0.25% · 3.875%
HK$8,720
−HK$268/mo
Today · 4.125%
HK$8,988
baseline
▲ 0.50% · 4.625%
HK$9,534
+HK$546/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$508/mo
▼ 0.25% · 3.875%
HK$9,661
−HK$256/mo
Today · 4.125%
HK$9,917
baseline
▲ 0.50% · 4.625%
HK$10,440
+HK$523/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$12,528
+HK$628/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$743/mo
▼ 0.25% · 3.875%
HK$12,208
−HK$375/mo
Today · 4.125%
HK$12,583
baseline
▲ 0.50% · 4.625%
HK$13,348
+HK$765/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,166/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$712/mo
▼ 0.25% · 3.875%
HK$13,525
−HK$359/mo
Today · 4.125%
HK$13,884
baseline
▲ 0.50% · 4.625%
HK$14,616
+HK$732/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,768/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$955/mo
▼ 0.25% · 3.875%
HK$15,697
−HK$481/mo
Today · 4.125%
HK$16,178
baseline
▲ 0.50% · 4.625%
HK$17,162
+HK$984/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,356/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$16,936
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,390
−HK$460/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).