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$8,435
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,697
−HK$267/mo
Today · 4.125%
HK$8,964
baseline
▲ 0.50% · 4.625%
HK$9,509
+HK$545/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$9,635
−HK$256/mo
Today · 4.125%
HK$9,891
baseline
▲ 0.50% · 4.625%
HK$10,412
+HK$521/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$10,122
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,437
−HK$320/mo
Today · 4.125%
HK$10,757
baseline
▲ 0.50% · 4.625%
HK$11,411
+HK$654/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$11,260
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,562
−HK$307/mo
Today · 4.125%
HK$11,869
baseline
▲ 0.50% · 4.625%
HK$12,494
+HK$625/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,738/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$11,809
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,176
−HK$373/mo
Today · 4.125%
HK$12,549
baseline
▲ 0.50% · 4.625%
HK$13,313
+HK$764/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,098/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$13,137
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,490
−HK$357/mo
Today · 4.125%
HK$13,847
baseline
▲ 0.50% · 4.625%
HK$14,577
+HK$730/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,694/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$15,183
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,655
−HK$480/mo
Today · 4.125%
HK$16,135
baseline
▲ 0.50% · 4.625%
HK$17,117
+HK$982/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,270/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$16,891
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,344
−HK$459/mo
Today · 4.125%
HK$17,803
baseline
▲ 0.50% · 4.625%
HK$18,742
+HK$939/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,606/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).