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$8,445
−HK$530/mo
▼ 0.25% · 3.875%
HK$8,708
−HK$267/mo
Today · 4.125%
HK$8,975
baseline
▲ 0.50% · 4.625%
HK$9,521
+HK$546/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,950/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$9,395
−HK$508/mo
▼ 0.25% · 3.875%
HK$9,647
−HK$256/mo
Today · 4.125%
HK$9,903
baseline
▲ 0.50% · 4.625%
HK$10,425
+HK$522/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,806/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$10,134
−HK$636/mo
▼ 0.25% · 3.875%
HK$10,450
−HK$320/mo
Today · 4.125%
HK$10,770
baseline
▲ 0.50% · 4.625%
HK$11,425
+HK$655/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,540/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$11,274
−HK$609/mo
▼ 0.25% · 3.875%
HK$11,577
−HK$306/mo
Today · 4.125%
HK$11,883
baseline
▲ 0.50% · 4.625%
HK$12,510
+HK$627/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,766/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$11,823
−HK$742/mo
▼ 0.25% · 3.875%
HK$12,191
−HK$374/mo
Today · 4.125%
HK$12,565
baseline
▲ 0.50% · 4.625%
HK$13,329
+HK$764/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,130/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$13,153
−HK$711/mo
▼ 0.25% · 3.875%
HK$13,506
−HK$358/mo
Today · 4.125%
HK$13,864
baseline
▲ 0.50% · 4.625%
HK$14,595
+HK$731/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,728/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$15,201
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,674
−HK$481/mo
Today · 4.125%
HK$16,155
baseline
▲ 0.50% · 4.625%
HK$17,138
+HK$983/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,310/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$16,911
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,365
−HK$460/mo
Today · 4.125%
HK$17,825
baseline
▲ 0.50% · 4.625%
HK$18,765
+HK$940/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,650/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).