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$528/mo
▼ 0.25% · 3.875%
HK$8,690
−HK$266/mo
Today · 4.125%
HK$8,956
baseline
▲ 0.50% · 4.625%
HK$9,501
+HK$545/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,912/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$506/mo
▼ 0.25% · 3.875%
HK$9,627
−HK$255/mo
Today · 4.125%
HK$9,882
baseline
▲ 0.50% · 4.625%
HK$10,403
+HK$521/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,764/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$10,113
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,428
−HK$319/mo
Today · 4.125%
HK$10,747
baseline
▲ 0.50% · 4.625%
HK$11,401
+HK$654/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,494/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$11,251
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,552
−HK$306/mo
Today · 4.125%
HK$11,858
baseline
▲ 0.50% · 4.625%
HK$12,484
+HK$626/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,716/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$739/mo
▼ 0.25% · 3.875%
HK$12,166
−HK$372/mo
Today · 4.125%
HK$12,538
baseline
▲ 0.50% · 4.625%
HK$13,301
+HK$763/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,076/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$13,126
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,478
−HK$357/mo
Today · 4.125%
HK$13,835
baseline
▲ 0.50% · 4.625%
HK$14,564
+HK$729/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,670/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$15,170
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,641
−HK$480/mo
Today · 4.125%
HK$16,121
baseline
▲ 0.50% · 4.625%
HK$17,102
+HK$981/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,242/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$16,876
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,329
−HK$459/mo
Today · 4.125%
HK$17,788
baseline
▲ 0.50% · 4.625%
HK$18,725
+HK$937/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,576/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).