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$8,454
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,716
−HK$268/mo
Today · 4.125%
HK$8,984
baseline
▲ 0.50% · 4.625%
HK$9,530
+HK$546/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,968/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$9,404
−HK$509/mo
▼ 0.25% · 3.875%
HK$9,657
−HK$256/mo
Today · 4.125%
HK$9,913
baseline
▲ 0.50% · 4.625%
HK$10,435
+HK$522/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,826/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$10,144
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,460
−HK$320/mo
Today · 4.125%
HK$10,780
baseline
▲ 0.50% · 4.625%
HK$11,436
+HK$656/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,560/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$11,285
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,588
−HK$307/mo
Today · 4.125%
HK$11,895
baseline
▲ 0.50% · 4.625%
HK$12,522
+HK$627/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,790/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$11,835
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,203
−HK$374/mo
Today · 4.125%
HK$12,577
baseline
▲ 0.50% · 4.625%
HK$13,342
+HK$765/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,154/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$13,166
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,519
−HK$359/mo
Today · 4.125%
HK$13,878
baseline
▲ 0.50% · 4.625%
HK$14,609
+HK$731/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,756/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$15,216
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,690
−HK$481/mo
Today · 4.125%
HK$16,171
baseline
▲ 0.50% · 4.625%
HK$17,155
+HK$984/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,342/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$16,928
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,382
−HK$461/mo
Today · 4.125%
HK$17,843
baseline
▲ 0.50% · 4.625%
HK$18,783
+HK$940/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,686/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).