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$8,436
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,698
−HK$267/mo
Today · 4.125%
HK$8,965
baseline
▲ 0.50% · 4.625%
HK$9,510
+HK$545/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,930/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$9,385
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,636
−HK$256/mo
Today · 4.125%
HK$9,892
baseline
▲ 0.50% · 4.625%
HK$10,413
+HK$521/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,784/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$10,123
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,438
−HK$320/mo
Today · 4.125%
HK$10,758
baseline
▲ 0.50% · 4.625%
HK$11,412
+HK$654/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,516/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$11,262
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,564
−HK$306/mo
Today · 4.125%
HK$11,870
baseline
▲ 0.50% · 4.625%
HK$12,496
+HK$626/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,740/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$11,810
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,177
−HK$374/mo
Today · 4.125%
HK$12,551
baseline
▲ 0.50% · 4.625%
HK$13,314
+HK$763/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,102/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$13,139
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,491
−HK$357/mo
Today · 4.125%
HK$13,848
baseline
▲ 0.50% · 4.625%
HK$14,578
+HK$730/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,696/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$15,184
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,657
−HK$480/mo
Today · 4.125%
HK$16,137
baseline
▲ 0.50% · 4.625%
HK$17,119
+HK$982/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,274/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$16,893
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,346
−HK$459/mo
Today · 4.125%
HK$17,805
baseline
▲ 0.50% · 4.625%
HK$18,744
+HK$939/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,610/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).