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$8,451
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,714
−HK$267/mo
Today · 4.125%
HK$8,981
baseline
▲ 0.50% · 4.625%
HK$9,528
+HK$547/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,962/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$9,402
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,654
−HK$256/mo
Today · 4.125%
HK$9,910
baseline
▲ 0.50% · 4.625%
HK$10,432
+HK$522/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,820/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$10,142
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,457
−HK$320/mo
Today · 4.125%
HK$10,777
baseline
▲ 0.50% · 4.625%
HK$11,433
+HK$656/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,554/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$11,282
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,585
−HK$307/mo
Today · 4.125%
HK$11,892
baseline
▲ 0.50% · 4.625%
HK$12,519
+HK$627/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,784/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$11,832
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,200
−HK$374/mo
Today · 4.125%
HK$12,574
baseline
▲ 0.50% · 4.625%
HK$13,339
+HK$765/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,148/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$13,163
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,516
−HK$358/mo
Today · 4.125%
HK$13,874
baseline
▲ 0.50% · 4.625%
HK$14,605
+HK$731/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,748/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$15,212
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,685
−HK$481/mo
Today · 4.125%
HK$16,166
baseline
▲ 0.50% · 4.625%
HK$17,150
+HK$984/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,332/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$16,923
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,377
−HK$461/mo
Today · 4.125%
HK$17,838
baseline
▲ 0.50% · 4.625%
HK$18,778
+HK$940/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,676/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).