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$8,426
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,688
−HK$266/mo
Today · 4.125%
HK$8,954
baseline
▲ 0.50% · 4.625%
HK$9,499
+HK$545/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,908/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$9,373
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,625
−HK$255/mo
Today · 4.125%
HK$9,880
baseline
▲ 0.50% · 4.625%
HK$10,401
+HK$521/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,760/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$10,111
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,425
−HK$320/mo
Today · 4.125%
HK$10,745
baseline
▲ 0.50% · 4.625%
HK$11,399
+HK$654/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,490/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$11,248
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,550
−HK$306/mo
Today · 4.125%
HK$11,856
baseline
▲ 0.50% · 4.625%
HK$12,481
+HK$625/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,712/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$11,796
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,163
−HK$373/mo
Today · 4.125%
HK$12,536
baseline
▲ 0.50% · 4.625%
HK$13,298
+HK$762/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,072/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$13,123
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,475
−HK$357/mo
Today · 4.125%
HK$13,832
baseline
▲ 0.50% · 4.625%
HK$14,561
+HK$729/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,664/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$15,166
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,638
−HK$479/mo
Today · 4.125%
HK$16,117
baseline
▲ 0.50% · 4.625%
HK$17,098
+HK$981/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,234/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$16,872
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,325
−HK$459/mo
Today · 4.125%
HK$17,784
baseline
▲ 0.50% · 4.625%
HK$18,721
+HK$937/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,568/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).