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$8,433
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,696
−HK$266/mo
Today · 4.125%
HK$8,962
baseline
▲ 0.50% · 4.625%
HK$9,508
+HK$546/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,924/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$9,382
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,634
−HK$255/mo
Today · 4.125%
HK$9,889
baseline
▲ 0.50% · 4.625%
HK$10,410
+HK$521/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,778/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$10,120
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,435
−HK$320/mo
Today · 4.125%
HK$10,755
baseline
▲ 0.50% · 4.625%
HK$11,409
+HK$654/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,510/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$11,258
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,560
−HK$307/mo
Today · 4.125%
HK$11,867
baseline
▲ 0.50% · 4.625%
HK$12,492
+HK$625/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,734/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$11,807
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,174
−HK$373/mo
Today · 4.125%
HK$12,547
baseline
▲ 0.50% · 4.625%
HK$13,311
+HK$764/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,094/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$13,135
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,487
−HK$357/mo
Today · 4.125%
HK$13,844
baseline
▲ 0.50% · 4.625%
HK$14,574
+HK$730/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,688/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$15,180
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,652
−HK$480/mo
Today · 4.125%
HK$16,132
baseline
▲ 0.50% · 4.625%
HK$17,114
+HK$982/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,264/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$16,888
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,341
−HK$459/mo
Today · 4.125%
HK$17,800
baseline
▲ 0.50% · 4.625%
HK$18,738
+HK$938/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,600/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).