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$8,701
−HK$267/mo
Today · 4.125%
HK$8,968
baseline
▲ 0.50% · 4.625%
HK$9,513
+HK$545/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$507/mo
▼ 0.25% · 3.875%
HK$9,640
−HK$255/mo
Today · 4.125%
HK$9,895
baseline
▲ 0.50% · 4.625%
HK$10,417
+HK$522/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,790/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$10,126
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,441
−HK$320/mo
Today · 4.125%
HK$10,761
baseline
▲ 0.50% · 4.625%
HK$11,416
+HK$655/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,522/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$11,265
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,567
−HK$307/mo
Today · 4.125%
HK$11,874
baseline
▲ 0.50% · 4.625%
HK$12,500
+HK$626/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,748/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$11,814
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,181
−HK$374/mo
Today · 4.125%
HK$12,555
baseline
▲ 0.50% · 4.625%
HK$13,319
+HK$764/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,110/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$13,143
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,495
−HK$358/mo
Today · 4.125%
HK$13,853
baseline
▲ 0.50% · 4.625%
HK$14,583
+HK$730/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,706/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$15,189
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,662
−HK$480/mo
Today · 4.125%
HK$16,142
baseline
▲ 0.50% · 4.625%
HK$17,124
+HK$982/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,284/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$16,898
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,351
−HK$460/mo
Today · 4.125%
HK$17,811
baseline
▲ 0.50% · 4.625%
HK$18,750
+HK$939/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,622/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).