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$8,420
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,682
−HK$266/mo
Today · 4.125%
HK$8,948
baseline
▲ 0.50% · 4.625%
HK$9,493
+HK$545/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,896/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$9,367
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,619
−HK$254/mo
Today · 4.125%
HK$9,873
baseline
▲ 0.50% · 4.625%
HK$10,394
+HK$521/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,746/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$10,104
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,418
−HK$320/mo
Today · 4.125%
HK$10,738
baseline
▲ 0.50% · 4.625%
HK$11,391
+HK$653/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,476/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$11,241
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,542
−HK$306/mo
Today · 4.125%
HK$11,848
baseline
▲ 0.50% · 4.625%
HK$12,473
+HK$625/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,696/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$11,788
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,155
−HK$372/mo
Today · 4.125%
HK$12,527
baseline
▲ 0.50% · 4.625%
HK$13,290
+HK$763/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,054/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$13,114
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,466
−HK$357/mo
Today · 4.125%
HK$13,823
baseline
▲ 0.50% · 4.625%
HK$14,551
+HK$728/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,646/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$15,156
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,628
−HK$479/mo
Today · 4.125%
HK$16,107
baseline
▲ 0.50% · 4.625%
HK$17,087
+HK$980/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,214/mo (50% DSR)
Upfront cash ≈ HK$369K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,861
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,313
−HK$459/mo
Today · 4.125%
HK$17,772
baseline
▲ 0.50% · 4.625%
HK$18,709
+HK$937/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,544/mo (50% DSR)
Upfront cash ≈ HK$369K (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).