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$8,440
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,703
−HK$266/mo
Today · 4.125%
HK$8,969
baseline
▲ 0.50% · 4.625%
HK$9,515
+HK$546/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,938/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$9,389
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,641
−HK$256/mo
Today · 4.125%
HK$9,897
baseline
▲ 0.50% · 4.625%
HK$10,418
+HK$521/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,794/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$10,128
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,443
−HK$320/mo
Today · 4.125%
HK$10,763
baseline
▲ 0.50% · 4.625%
HK$11,418
+HK$655/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,526/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$11,267
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,569
−HK$307/mo
Today · 4.125%
HK$11,876
baseline
▲ 0.50% · 4.625%
HK$12,502
+HK$626/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,752/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$11,816
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,184
−HK$373/mo
Today · 4.125%
HK$12,557
baseline
▲ 0.50% · 4.625%
HK$13,321
+HK$764/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,114/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$13,145
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,498
−HK$357/mo
Today · 4.125%
HK$13,855
baseline
▲ 0.50% · 4.625%
HK$14,586
+HK$731/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,710/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$15,192
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,665
−HK$480/mo
Today · 4.125%
HK$16,145
baseline
▲ 0.50% · 4.625%
HK$17,127
+HK$982/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,290/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$16,901
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,354
−HK$460/mo
Today · 4.125%
HK$17,814
baseline
▲ 0.50% · 4.625%
HK$18,753
+HK$939/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,628/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).