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$8,459
−HK$531/mo
▼ 0.25% · 3.875%
HK$8,722
−HK$268/mo
Today · 4.125%
HK$8,990
baseline
▲ 0.50% · 4.625%
HK$9,537
+HK$547/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,980/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$9,411
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,663
−HK$256/mo
Today · 4.125%
HK$9,919
baseline
▲ 0.50% · 4.625%
HK$10,442
+HK$523/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,838/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$10,151
−HK$637/mo
▼ 0.25% · 3.875%
HK$10,467
−HK$321/mo
Today · 4.125%
HK$10,788
baseline
▲ 0.50% · 4.625%
HK$11,444
+HK$656/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$21,576/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$11,293
−HK$610/mo
▼ 0.25% · 3.875%
HK$11,596
−HK$307/mo
Today · 4.125%
HK$11,903
baseline
▲ 0.50% · 4.625%
HK$12,530
+HK$627/mo
Deposit HK$1.48M · loan HK$2.23M · min. income ≈ HK$23,806/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$11,843
−HK$743/mo
▼ 0.25% · 3.875%
HK$12,211
−HK$375/mo
Today · 4.125%
HK$12,586
baseline
▲ 0.50% · 4.625%
HK$13,351
+HK$765/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$25,172/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$13,175
−HK$712/mo
▼ 0.25% · 3.875%
HK$13,528
−HK$359/mo
Today · 4.125%
HK$13,887
baseline
▲ 0.50% · 4.625%
HK$14,619
+HK$732/mo
Deposit HK$1.11M · loan HK$2.60M · min. income ≈ HK$27,774/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$15,227
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,700
−HK$481/mo
Today · 4.125%
HK$16,181
baseline
▲ 0.50% · 4.625%
HK$17,166
+HK$985/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$32,362/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$16,939
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,394
−HK$461/mo
Today · 4.125%
HK$17,855
baseline
▲ 0.50% · 4.625%
HK$18,796
+HK$941/mo
Deposit HK$371K · loan HK$3.34M · min. income ≈ HK$35,710/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).