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$8,437
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,699
−HK$267/mo
Today · 4.125%
HK$8,966
baseline
▲ 0.50% · 4.625%
HK$9,511
+HK$545/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,932/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$9,386
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,638
−HK$255/mo
Today · 4.125%
HK$9,893
baseline
▲ 0.50% · 4.625%
HK$10,414
+HK$521/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,786/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$10,124
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,439
−HK$320/mo
Today · 4.125%
HK$10,759
baseline
▲ 0.50% · 4.625%
HK$11,414
+HK$655/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,518/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$11,263
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,565
−HK$306/mo
Today · 4.125%
HK$11,871
baseline
▲ 0.50% · 4.625%
HK$12,497
+HK$626/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,742/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$11,811
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,179
−HK$373/mo
Today · 4.125%
HK$12,552
baseline
▲ 0.50% · 4.625%
HK$13,316
+HK$764/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,104/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$13,140
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,493
−HK$357/mo
Today · 4.125%
HK$13,850
baseline
▲ 0.50% · 4.625%
HK$14,580
+HK$730/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,700/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$15,186
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,659
−HK$479/mo
Today · 4.125%
HK$16,138
baseline
▲ 0.50% · 4.625%
HK$17,120
+HK$982/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,276/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$16,894
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,348
−HK$459/mo
Today · 4.125%
HK$17,807
baseline
▲ 0.50% · 4.625%
HK$18,746
+HK$939/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,614/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).