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$530/mo
▼ 0.25% · 3.875%
HK$8,706
−HK$267/mo
Today · 4.125%
HK$8,973
baseline
▲ 0.50% · 4.625%
HK$9,518
+HK$545/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,946/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$9,393
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,645
−HK$255/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$10,132
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,447
−HK$320/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$11,574
−HK$306/mo
Today · 4.125%
HK$11,880
baseline
▲ 0.50% · 4.625%
HK$12,507
+HK$627/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$742/mo
▼ 0.25% · 3.875%
HK$12,188
−HK$374/mo
Today · 4.125%
HK$12,562
baseline
▲ 0.50% · 4.625%
HK$13,326
+HK$764/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,124/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$13,150
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,503
−HK$357/mo
Today · 4.125%
HK$13,860
baseline
▲ 0.50% · 4.625%
HK$14,591
+HK$731/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$954/mo
▼ 0.25% · 3.875%
HK$15,670
−HK$481/mo
Today · 4.125%
HK$16,151
baseline
▲ 0.50% · 4.625%
HK$17,133
+HK$982/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,302/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$16,907
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,361
−HK$459/mo
Today · 4.125%
HK$17,820
baseline
▲ 0.50% · 4.625%
HK$18,760
+HK$940/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).