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$8,417
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,679
−HK$266/mo
Today · 4.125%
HK$8,945
baseline
▲ 0.50% · 4.625%
HK$9,490
+HK$545/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,890/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$9,364
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,615
−HK$255/mo
Today · 4.125%
HK$9,870
baseline
▲ 0.50% · 4.625%
HK$10,390
+HK$520/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,740/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$10,101
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,415
−HK$319/mo
Today · 4.125%
HK$10,734
baseline
▲ 0.50% · 4.625%
HK$11,387
+HK$653/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$21,468/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$11,237
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,539
−HK$305/mo
Today · 4.125%
HK$11,844
baseline
▲ 0.50% · 4.625%
HK$12,469
+HK$625/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$23,688/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$11,784
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,151
−HK$372/mo
Today · 4.125%
HK$12,523
baseline
▲ 0.50% · 4.625%
HK$13,285
+HK$762/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,046/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$13,110
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,462
−HK$356/mo
Today · 4.125%
HK$13,818
baseline
▲ 0.50% · 4.625%
HK$14,547
+HK$729/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,636/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$15,151
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,623
−HK$478/mo
Today · 4.125%
HK$16,101
baseline
▲ 0.50% · 4.625%
HK$17,081
+HK$980/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,202/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$16,856
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,308
−HK$458/mo
Today · 4.125%
HK$17,766
baseline
▲ 0.50% · 4.625%
HK$18,703
+HK$937/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,532/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).