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$8,444
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,706
−HK$267/mo
Today · 4.125%
HK$8,973
baseline
▲ 0.50% · 4.625%
HK$9,519
+HK$546/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,946/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$9,393
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,645
−HK$256/mo
Today · 4.125%
HK$9,901
baseline
▲ 0.50% · 4.625%
HK$10,423
+HK$522/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,802/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$10,132
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,448
−HK$320/mo
Today · 4.125%
HK$10,768
baseline
▲ 0.50% · 4.625%
HK$11,423
+HK$655/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,536/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$11,272
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,574
−HK$307/mo
Today · 4.125%
HK$11,881
baseline
▲ 0.50% · 4.625%
HK$12,507
+HK$626/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,762/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$11,821
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,189
−HK$373/mo
Today · 4.125%
HK$12,562
baseline
▲ 0.50% · 4.625%
HK$13,327
+HK$765/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,124/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$13,151
−HK$710/mo
▼ 0.25% · 3.875%
HK$13,504
−HK$357/mo
Today · 4.125%
HK$13,861
baseline
▲ 0.50% · 4.625%
HK$14,592
+HK$731/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,722/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$15,199
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,671
−HK$481/mo
Today · 4.125%
HK$16,152
baseline
▲ 0.50% · 4.625%
HK$17,134
+HK$982/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,304/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$16,908
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,362
−HK$460/mo
Today · 4.125%
HK$17,822
baseline
▲ 0.50% · 4.625%
HK$18,761
+HK$939/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,644/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).