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$8,453
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,716
−HK$267/mo
Today · 4.125%
HK$8,983
baseline
▲ 0.50% · 4.625%
HK$9,530
+HK$547/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,966/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$9,404
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,656
−HK$256/mo
Today · 4.125%
HK$9,912
baseline
▲ 0.50% · 4.625%
HK$10,435
+HK$523/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,824/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$10,144
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,459
−HK$321/mo
Today · 4.125%
HK$10,780
baseline
▲ 0.50% · 4.625%
HK$11,436
+HK$656/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,560/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$11,285
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,587
−HK$307/mo
Today · 4.125%
HK$11,894
baseline
▲ 0.50% · 4.625%
HK$12,521
+HK$627/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,788/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$11,834
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,202
−HK$374/mo
Today · 4.125%
HK$12,576
baseline
▲ 0.50% · 4.625%
HK$13,342
+HK$766/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,152/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$13,166
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,519
−HK$358/mo
Today · 4.125%
HK$13,877
baseline
▲ 0.50% · 4.625%
HK$14,608
+HK$731/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,754/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$15,216
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,689
−HK$481/mo
Today · 4.125%
HK$16,170
baseline
▲ 0.50% · 4.625%
HK$17,154
+HK$984/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,340/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$16,927
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,381
−HK$461/mo
Today · 4.125%
HK$17,842
baseline
▲ 0.50% · 4.625%
HK$18,782
+HK$940/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,684/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).