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$8,415
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,676
−HK$266/mo
Today · 4.125%
HK$8,942
baseline
▲ 0.50% · 4.625%
HK$9,486
+HK$544/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,884/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$9,361
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,612
−HK$255/mo
Today · 4.125%
HK$9,867
baseline
▲ 0.50% · 4.625%
HK$10,387
+HK$520/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,734/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$10,097
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,412
−HK$319/mo
Today · 4.125%
HK$10,731
baseline
▲ 0.50% · 4.625%
HK$11,384
+HK$653/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$21,462/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$11,233
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,535
−HK$305/mo
Today · 4.125%
HK$11,840
baseline
▲ 0.50% · 4.625%
HK$12,464
+HK$624/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$23,680/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$11,780
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,147
−HK$372/mo
Today · 4.125%
HK$12,519
baseline
▲ 0.50% · 4.625%
HK$13,281
+HK$762/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,038/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$13,106
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,457
−HK$357/mo
Today · 4.125%
HK$13,814
baseline
▲ 0.50% · 4.625%
HK$14,542
+HK$728/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,628/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$15,146
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,617
−HK$479/mo
Today · 4.125%
HK$16,096
baseline
▲ 0.50% · 4.625%
HK$17,075
+HK$979/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,192/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$16,850
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,302
−HK$458/mo
Today · 4.125%
HK$17,760
baseline
▲ 0.50% · 4.625%
HK$18,697
+HK$937/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,520/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).