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$8,430
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,692
−HK$266/mo
Today · 4.125%
HK$8,958
baseline
▲ 0.50% · 4.625%
HK$9,503
+HK$545/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,916/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$9,378
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,629
−HK$255/mo
Today · 4.125%
HK$9,884
baseline
▲ 0.50% · 4.625%
HK$10,406
+HK$522/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,768/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$10,115
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,430
−HK$320/mo
Today · 4.125%
HK$10,750
baseline
▲ 0.50% · 4.625%
HK$11,404
+HK$654/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,500/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$11,253
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,555
−HK$306/mo
Today · 4.125%
HK$11,861
baseline
▲ 0.50% · 4.625%
HK$12,487
+HK$626/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,722/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$11,801
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,169
−HK$372/mo
Today · 4.125%
HK$12,541
baseline
▲ 0.50% · 4.625%
HK$13,305
+HK$764/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,082/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$13,129
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,481
−HK$357/mo
Today · 4.125%
HK$13,838
baseline
▲ 0.50% · 4.625%
HK$14,568
+HK$730/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,676/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$15,173
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,645
−HK$480/mo
Today · 4.125%
HK$16,125
baseline
▲ 0.50% · 4.625%
HK$17,106
+HK$981/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,250/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$16,880
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,333
−HK$459/mo
Today · 4.125%
HK$17,792
baseline
▲ 0.50% · 4.625%
HK$18,730
+HK$938/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,584/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).