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$8,427
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,689
−HK$266/mo
Today · 4.125%
HK$8,955
baseline
▲ 0.50% · 4.625%
HK$9,500
+HK$545/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,910/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$9,374
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,626
−HK$255/mo
Today · 4.125%
HK$9,881
baseline
▲ 0.50% · 4.625%
HK$10,402
+HK$521/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,762/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$10,112
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,426
−HK$320/mo
Today · 4.125%
HK$10,746
baseline
▲ 0.50% · 4.625%
HK$11,400
+HK$654/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,492/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$11,249
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,551
−HK$306/mo
Today · 4.125%
HK$11,857
baseline
▲ 0.50% · 4.625%
HK$12,482
+HK$625/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,714/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$11,797
−HK$740/mo
▼ 0.25% · 3.875%
HK$12,164
−HK$373/mo
Today · 4.125%
HK$12,537
baseline
▲ 0.50% · 4.625%
HK$13,300
+HK$763/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,074/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$13,124
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,476
−HK$357/mo
Today · 4.125%
HK$13,833
baseline
▲ 0.50% · 4.625%
HK$14,562
+HK$729/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,666/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$15,168
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,640
−HK$479/mo
Today · 4.125%
HK$16,119
baseline
▲ 0.50% · 4.625%
HK$17,100
+HK$981/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,238/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$16,874
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,327
−HK$459/mo
Today · 4.125%
HK$17,786
baseline
▲ 0.50% · 4.625%
HK$18,723
+HK$937/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,572/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).