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$8,428
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,690
−HK$267/mo
Today · 4.125%
HK$8,957
baseline
▲ 0.50% · 4.625%
HK$9,502
+HK$545/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,914/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$9,376
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,628
−HK$255/mo
Today · 4.125%
HK$9,883
baseline
▲ 0.50% · 4.625%
HK$10,404
+HK$521/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,766/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$10,114
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,428
−HK$320/mo
Today · 4.125%
HK$10,748
baseline
▲ 0.50% · 4.625%
HK$11,402
+HK$654/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,496/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$11,252
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,553
−HK$306/mo
Today · 4.125%
HK$11,859
baseline
▲ 0.50% · 4.625%
HK$12,485
+HK$626/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,718/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$11,799
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,166
−HK$373/mo
Today · 4.125%
HK$12,539
baseline
▲ 0.50% · 4.625%
HK$13,302
+HK$763/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,078/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$13,127
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,479
−HK$357/mo
Today · 4.125%
HK$13,836
baseline
▲ 0.50% · 4.625%
HK$14,565
+HK$729/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,672/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$15,171
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,643
−HK$479/mo
Today · 4.125%
HK$16,122
baseline
▲ 0.50% · 4.625%
HK$17,103
+HK$981/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,244/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$16,877
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,330
−HK$459/mo
Today · 4.125%
HK$17,789
baseline
▲ 0.50% · 4.625%
HK$18,727
+HK$938/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,578/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).