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$529/mo
▼ 0.25% · 3.875%
HK$8,692
−HK$267/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$9,378
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,630
−HK$255/mo
Today · 4.125%
HK$9,885
baseline
▲ 0.50% · 4.625%
HK$10,406
+HK$521/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,770/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$10,116
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,431
−HK$319/mo
Today · 4.125%
HK$10,750
baseline
▲ 0.50% · 4.625%
HK$11,405
+HK$655/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$11,254
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,556
−HK$306/mo
Today · 4.125%
HK$11,862
baseline
▲ 0.50% · 4.625%
HK$12,487
+HK$625/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,724/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$11,802
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,169
−HK$373/mo
Today · 4.125%
HK$12,542
baseline
▲ 0.50% · 4.625%
HK$13,305
+HK$763/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,084/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$13,130
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,482
−HK$357/mo
Today · 4.125%
HK$13,839
baseline
▲ 0.50% · 4.625%
HK$14,568
+HK$729/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,678/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$15,174
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,646
−HK$480/mo
Today · 4.125%
HK$16,126
baseline
▲ 0.50% · 4.625%
HK$17,107
+HK$981/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,252/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$16,881
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,334
−HK$459/mo
Today · 4.125%
HK$17,793
baseline
▲ 0.50% · 4.625%
HK$18,731
+HK$938/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,586/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).