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$8,436
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,698
−HK$266/mo
Today · 4.125%
HK$8,964
baseline
▲ 0.50% · 4.625%
HK$9,510
+HK$546/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,928/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$9,384
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,636
−HK$255/mo
Today · 4.125%
HK$9,891
baseline
▲ 0.50% · 4.625%
HK$10,413
+HK$522/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,782/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$10,123
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,437
−HK$320/mo
Today · 4.125%
HK$10,757
baseline
▲ 0.50% · 4.625%
HK$11,412
+HK$655/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,514/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$11,261
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,563
−HK$307/mo
Today · 4.125%
HK$11,870
baseline
▲ 0.50% · 4.625%
HK$12,495
+HK$625/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,740/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$11,810
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,177
−HK$373/mo
Today · 4.125%
HK$12,550
baseline
▲ 0.50% · 4.625%
HK$13,314
+HK$764/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,100/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$13,138
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,491
−HK$357/mo
Today · 4.125%
HK$13,848
baseline
▲ 0.50% · 4.625%
HK$14,578
+HK$730/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,696/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$15,184
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,656
−HK$480/mo
Today · 4.125%
HK$16,136
baseline
▲ 0.50% · 4.625%
HK$17,118
+HK$982/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,272/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$16,892
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,345
−HK$460/mo
Today · 4.125%
HK$17,805
baseline
▲ 0.50% · 4.625%
HK$18,743
+HK$938/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,610/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).