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$8,433
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,695
−HK$267/mo
Today · 4.125%
HK$8,962
baseline
▲ 0.50% · 4.625%
HK$9,507
+HK$545/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,924/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$9,382
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,633
−HK$255/mo
Today · 4.125%
HK$9,888
baseline
▲ 0.50% · 4.625%
HK$10,410
+HK$522/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,776/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$10,120
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,434
−HK$320/mo
Today · 4.125%
HK$10,754
baseline
▲ 0.50% · 4.625%
HK$11,408
+HK$654/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,508/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$11,258
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,560
−HK$306/mo
Today · 4.125%
HK$11,866
baseline
▲ 0.50% · 4.625%
HK$12,492
+HK$626/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,732/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$11,806
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,173
−HK$373/mo
Today · 4.125%
HK$12,546
baseline
▲ 0.50% · 4.625%
HK$13,310
+HK$764/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,092/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$13,134
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,486
−HK$358/mo
Today · 4.125%
HK$13,844
baseline
▲ 0.50% · 4.625%
HK$14,573
+HK$729/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,688/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$15,179
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,651
−HK$480/mo
Today · 4.125%
HK$16,131
baseline
▲ 0.50% · 4.625%
HK$17,113
+HK$982/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,262/mo (50% DSR)
Upfront cash ≈ HK$370K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,887
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,340
−HK$459/mo
Today · 4.125%
HK$17,799
baseline
▲ 0.50% · 4.625%
HK$18,737
+HK$938/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,598/mo (50% DSR)
Upfront cash ≈ HK$370K (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).