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$8,443
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,705
−HK$267/mo
Today · 4.125%
HK$8,972
baseline
▲ 0.50% · 4.625%
HK$9,518
+HK$546/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,944/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$9,392
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,644
−HK$256/mo
Today · 4.125%
HK$9,900
baseline
▲ 0.50% · 4.625%
HK$10,422
+HK$522/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,800/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$10,131
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,446
−HK$321/mo
Today · 4.125%
HK$10,767
baseline
▲ 0.50% · 4.625%
HK$11,422
+HK$655/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,534/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$11,271
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,573
−HK$307/mo
Today · 4.125%
HK$11,880
baseline
▲ 0.50% · 4.625%
HK$12,506
+HK$626/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,760/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$11,820
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,187
−HK$374/mo
Today · 4.125%
HK$12,561
baseline
▲ 0.50% · 4.625%
HK$13,325
+HK$764/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,122/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$13,149
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,502
−HK$358/mo
Today · 4.125%
HK$13,860
baseline
▲ 0.50% · 4.625%
HK$14,590
+HK$730/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,720/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$15,197
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,670
−HK$480/mo
Today · 4.125%
HK$16,150
baseline
▲ 0.50% · 4.625%
HK$17,132
+HK$982/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,300/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$16,906
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,360
−HK$460/mo
Today · 4.125%
HK$17,820
baseline
▲ 0.50% · 4.625%
HK$18,759
+HK$939/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,640/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).