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$8,455
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,718
−HK$268/mo
Today · 4.125%
HK$8,986
baseline
▲ 0.50% · 4.625%
HK$9,532
+HK$546/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,972/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$9,406
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,659
−HK$256/mo
Today · 4.125%
HK$9,915
baseline
▲ 0.50% · 4.625%
HK$10,437
+HK$522/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,830/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$10,146
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,462
−HK$321/mo
Today · 4.125%
HK$10,783
baseline
▲ 0.50% · 4.625%
HK$11,439
+HK$656/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,566/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$11,288
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,590
−HK$308/mo
Today · 4.125%
HK$11,898
baseline
▲ 0.50% · 4.625%
HK$12,525
+HK$627/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,796/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$11,837
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,206
−HK$374/mo
Today · 4.125%
HK$12,580
baseline
▲ 0.50% · 4.625%
HK$13,345
+HK$765/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,160/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$13,169
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,522
−HK$358/mo
Today · 4.125%
HK$13,880
baseline
▲ 0.50% · 4.625%
HK$14,612
+HK$732/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,760/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$15,220
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,693
−HK$481/mo
Today · 4.125%
HK$16,174
baseline
▲ 0.50% · 4.625%
HK$17,158
+HK$984/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,348/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$16,932
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,386
−HK$460/mo
Today · 4.125%
HK$17,846
baseline
▲ 0.50% · 4.625%
HK$18,787
+HK$941/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,692/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).