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$8,426
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,688
−HK$267/mo
Today · 4.125%
HK$8,955
baseline
▲ 0.50% · 4.625%
HK$9,499
+HK$544/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$9,625
−HK$256/mo
Today · 4.125%
HK$9,881
baseline
▲ 0.50% · 4.625%
HK$10,401
+HK$520/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$10,111
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,426
−HK$320/mo
Today · 4.125%
HK$10,746
baseline
▲ 0.50% · 4.625%
HK$11,399
+HK$653/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$739/mo
▼ 0.25% · 3.875%
HK$12,164
−HK$372/mo
Today · 4.125%
HK$12,536
baseline
▲ 0.50% · 4.625%
HK$13,299
+HK$763/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,072/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$15,167
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,639
−HK$479/mo
Today · 4.125%
HK$16,118
baseline
▲ 0.50% · 4.625%
HK$17,099
+HK$981/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,236/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$16,873
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,326
−HK$459/mo
Today · 4.125%
HK$17,785
baseline
▲ 0.50% · 4.625%
HK$18,722
+HK$937/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,570/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).