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$8,419
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,680
−HK$267/mo
Today · 4.125%
HK$8,947
baseline
▲ 0.50% · 4.625%
HK$9,491
+HK$544/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,894/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$9,366
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,617
−HK$255/mo
Today · 4.125%
HK$9,872
baseline
▲ 0.50% · 4.625%
HK$10,392
+HK$520/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,744/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$10,417
−HK$319/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$11,239
−HK$607/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$12,153
−HK$372/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$13,112
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,464
−HK$356/mo
Today · 4.125%
HK$13,820
baseline
▲ 0.50% · 4.625%
HK$14,549
+HK$729/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$15,154
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,625
−HK$479/mo
Today · 4.125%
HK$16,104
baseline
▲ 0.50% · 4.625%
HK$17,084
+HK$980/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,208/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$911/mo
▼ 0.25% · 3.875%
HK$17,310
−HK$459/mo
Today · 4.125%
HK$17,769
baseline
▲ 0.50% · 4.625%
HK$18,706
+HK$937/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,538/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).