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$8,446
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,709
−HK$267/mo
Today · 4.125%
HK$8,976
baseline
▲ 0.50% · 4.625%
HK$9,522
+HK$546/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,952/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$9,396
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,648
−HK$256/mo
Today · 4.125%
HK$9,904
baseline
▲ 0.50% · 4.625%
HK$10,426
+HK$522/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,808/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$10,135
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,450
−HK$321/mo
Today · 4.125%
HK$10,771
baseline
▲ 0.50% · 4.625%
HK$11,426
+HK$655/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,542/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$11,275
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,578
−HK$306/mo
Today · 4.125%
HK$11,884
baseline
▲ 0.50% · 4.625%
HK$12,511
+HK$627/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,768/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$11,824
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,192
−HK$374/mo
Today · 4.125%
HK$12,566
baseline
▲ 0.50% · 4.625%
HK$13,330
+HK$764/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,132/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$13,154
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,507
−HK$358/mo
Today · 4.125%
HK$13,865
baseline
▲ 0.50% · 4.625%
HK$14,596
+HK$731/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,730/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$15,203
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,675
−HK$481/mo
Today · 4.125%
HK$16,156
baseline
▲ 0.50% · 4.625%
HK$17,139
+HK$983/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,312/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$16,913
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,366
−HK$460/mo
Today · 4.125%
HK$17,826
baseline
▲ 0.50% · 4.625%
HK$18,766
+HK$940/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,652/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).