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$8,418
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,680
−HK$266/mo
Today · 4.125%
HK$8,946
baseline
▲ 0.50% · 4.625%
HK$9,491
+HK$545/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,892/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$9,365
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,617
−HK$254/mo
Today · 4.125%
HK$9,871
baseline
▲ 0.50% · 4.625%
HK$10,392
+HK$521/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,742/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$10,102
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,416
−HK$320/mo
Today · 4.125%
HK$10,736
baseline
▲ 0.50% · 4.625%
HK$11,389
+HK$653/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,472/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$11,238
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,540
−HK$306/mo
Today · 4.125%
HK$11,846
baseline
▲ 0.50% · 4.625%
HK$12,470
+HK$624/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,692/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$11,786
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,152
−HK$373/mo
Today · 4.125%
HK$12,525
baseline
▲ 0.50% · 4.625%
HK$13,287
+HK$762/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,050/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$13,111
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,463
−HK$357/mo
Today · 4.125%
HK$13,820
baseline
▲ 0.50% · 4.625%
HK$14,548
+HK$728/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,640/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$15,153
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,624
−HK$479/mo
Today · 4.125%
HK$16,103
baseline
▲ 0.50% · 4.625%
HK$17,083
+HK$980/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,206/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$16,858
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,310
−HK$458/mo
Today · 4.125%
HK$17,768
baseline
▲ 0.50% · 4.625%
HK$18,705
+HK$937/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,536/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).