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$8,439
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,702
−HK$266/mo
Today · 4.125%
HK$8,968
baseline
▲ 0.50% · 4.625%
HK$9,514
+HK$546/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,936/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$9,388
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,640
−HK$256/mo
Today · 4.125%
HK$9,896
baseline
▲ 0.50% · 4.625%
HK$10,417
+HK$521/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,792/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$10,127
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,442
−HK$320/mo
Today · 4.125%
HK$10,762
baseline
▲ 0.50% · 4.625%
HK$11,417
+HK$655/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,524/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$11,266
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,568
−HK$307/mo
Today · 4.125%
HK$11,875
baseline
▲ 0.50% · 4.625%
HK$12,501
+HK$626/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,750/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$11,815
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,182
−HK$374/mo
Today · 4.125%
HK$12,556
baseline
▲ 0.50% · 4.625%
HK$13,320
+HK$764/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,112/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$13,144
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,496
−HK$358/mo
Today · 4.125%
HK$13,854
baseline
▲ 0.50% · 4.625%
HK$14,584
+HK$730/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,708/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$15,190
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,663
−HK$480/mo
Today · 4.125%
HK$16,143
baseline
▲ 0.50% · 4.625%
HK$17,125
+HK$982/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,286/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$16,899
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,353
−HK$459/mo
Today · 4.125%
HK$17,812
baseline
▲ 0.50% · 4.625%
HK$18,751
+HK$939/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,624/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).