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$8,431
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,693
−HK$266/mo
Today · 4.125%
HK$8,959
baseline
▲ 0.50% · 4.625%
HK$9,504
+HK$545/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,918/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$9,379
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,631
−HK$255/mo
Today · 4.125%
HK$9,886
baseline
▲ 0.50% · 4.625%
HK$10,407
+HK$521/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,772/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$10,117
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,431
−HK$320/mo
Today · 4.125%
HK$10,751
baseline
▲ 0.50% · 4.625%
HK$11,405
+HK$654/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,502/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$11,255
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,557
−HK$306/mo
Today · 4.125%
HK$11,863
baseline
▲ 0.50% · 4.625%
HK$12,488
+HK$625/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,726/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$11,803
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,170
−HK$373/mo
Today · 4.125%
HK$12,543
baseline
▲ 0.50% · 4.625%
HK$13,306
+HK$763/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,086/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$13,131
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,483
−HK$357/mo
Today · 4.125%
HK$13,840
baseline
▲ 0.50% · 4.625%
HK$14,570
+HK$730/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,680/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$15,175
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,647
−HK$480/mo
Today · 4.125%
HK$16,127
baseline
▲ 0.50% · 4.625%
HK$17,108
+HK$981/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,254/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$16,882
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,335
−HK$459/mo
Today · 4.125%
HK$17,794
baseline
▲ 0.50% · 4.625%
HK$18,732
+HK$938/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,588/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).