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$8,434
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,696
−HK$267/mo
Today · 4.125%
HK$8,963
baseline
▲ 0.50% · 4.625%
HK$9,508
+HK$545/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,926/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$9,383
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,635
−HK$255/mo
Today · 4.125%
HK$9,890
baseline
▲ 0.50% · 4.625%
HK$10,411
+HK$521/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,780/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$10,121
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,436
−HK$320/mo
Today · 4.125%
HK$10,756
baseline
▲ 0.50% · 4.625%
HK$11,410
+HK$654/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,512/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$11,259
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,561
−HK$307/mo
Today · 4.125%
HK$11,868
baseline
▲ 0.50% · 4.625%
HK$12,493
+HK$625/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,736/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$11,808
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,175
−HK$373/mo
Today · 4.125%
HK$12,548
baseline
▲ 0.50% · 4.625%
HK$13,312
+HK$764/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,096/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$13,136
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,488
−HK$358/mo
Today · 4.125%
HK$13,846
baseline
▲ 0.50% · 4.625%
HK$14,576
+HK$730/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,692/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$15,181
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,654
−HK$479/mo
Today · 4.125%
HK$16,133
baseline
▲ 0.50% · 4.625%
HK$17,115
+HK$982/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,266/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$16,889
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,342
−HK$460/mo
Today · 4.125%
HK$17,802
baseline
▲ 0.50% · 4.625%
HK$18,740
+HK$938/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,604/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).