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$8,416
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,678
−HK$266/mo
Today · 4.125%
HK$8,944
baseline
▲ 0.50% · 4.625%
HK$9,488
+HK$544/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,888/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$9,363
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,614
−HK$255/mo
Today · 4.125%
HK$9,869
baseline
▲ 0.50% · 4.625%
HK$10,389
+HK$520/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,738/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$10,099
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,414
−HK$319/mo
Today · 4.125%
HK$10,733
baseline
▲ 0.50% · 4.625%
HK$11,386
+HK$653/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$21,466/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$11,236
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,537
−HK$306/mo
Today · 4.125%
HK$11,843
baseline
▲ 0.50% · 4.625%
HK$12,467
+HK$624/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$23,686/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$11,783
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,149
−HK$373/mo
Today · 4.125%
HK$12,522
baseline
▲ 0.50% · 4.625%
HK$13,283
+HK$761/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,044/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$13,108
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,460
−HK$356/mo
Today · 4.125%
HK$13,816
baseline
▲ 0.50% · 4.625%
HK$14,545
+HK$729/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,632/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$15,149
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,620
−HK$479/mo
Today · 4.125%
HK$16,099
baseline
▲ 0.50% · 4.625%
HK$17,079
+HK$980/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,198/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$16,853
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,305
−HK$459/mo
Today · 4.125%
HK$17,764
baseline
▲ 0.50% · 4.625%
HK$18,700
+HK$936/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,528/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).