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$8,423
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,685
−HK$266/mo
Today · 4.125%
HK$8,951
baseline
▲ 0.50% · 4.625%
HK$9,495
+HK$544/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,902/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$9,370
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,621
−HK$255/mo
Today · 4.125%
HK$9,876
baseline
▲ 0.50% · 4.625%
HK$10,397
+HK$521/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,752/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$10,107
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,422
−HK$319/mo
Today · 4.125%
HK$10,741
baseline
▲ 0.50% · 4.625%
HK$11,395
+HK$654/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,482/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$11,244
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,546
−HK$306/mo
Today · 4.125%
HK$11,852
baseline
▲ 0.50% · 4.625%
HK$12,476
+HK$624/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,704/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$11,792
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,159
−HK$372/mo
Today · 4.125%
HK$12,531
baseline
▲ 0.50% · 4.625%
HK$13,294
+HK$763/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,062/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$13,118
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,470
−HK$357/mo
Today · 4.125%
HK$13,827
baseline
▲ 0.50% · 4.625%
HK$14,556
+HK$729/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,654/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$15,161
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,632
−HK$480/mo
Today · 4.125%
HK$16,112
baseline
▲ 0.50% · 4.625%
HK$17,092
+HK$980/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,224/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$16,866
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,319
−HK$458/mo
Today · 4.125%
HK$17,777
baseline
▲ 0.50% · 4.625%
HK$18,715
+HK$938/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,554/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).