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$8,437
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,700
−HK$266/mo
Today · 4.125%
HK$8,966
baseline
▲ 0.50% · 4.625%
HK$9,512
+HK$546/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,932/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$9,386
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,638
−HK$255/mo
Today · 4.125%
HK$9,893
baseline
▲ 0.50% · 4.625%
HK$10,415
+HK$522/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,786/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$10,124
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,439
−HK$320/mo
Today · 4.125%
HK$10,759
baseline
▲ 0.50% · 4.625%
HK$11,414
+HK$655/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,518/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$11,263
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,565
−HK$307/mo
Today · 4.125%
HK$11,872
baseline
▲ 0.50% · 4.625%
HK$12,498
+HK$626/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,744/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$11,812
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,179
−HK$374/mo
Today · 4.125%
HK$12,553
baseline
▲ 0.50% · 4.625%
HK$13,316
+HK$763/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,106/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$13,141
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,493
−HK$358/mo
Today · 4.125%
HK$13,851
baseline
▲ 0.50% · 4.625%
HK$14,581
+HK$730/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,702/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$15,187
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,659
−HK$480/mo
Today · 4.125%
HK$16,139
baseline
▲ 0.50% · 4.625%
HK$17,121
+HK$982/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,278/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$16,895
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,348
−HK$460/mo
Today · 4.125%
HK$17,808
baseline
▲ 0.50% · 4.625%
HK$18,747
+HK$939/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,616/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).