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$8,433
−HK$529/mo
▼ 0.25% · 3.875%
HK$8,696
−HK$266/mo
Today · 4.125%
HK$8,962
baseline
▲ 0.50% · 4.625%
HK$9,507
+HK$545/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$17,924/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$9,382
−HK$507/mo
▼ 0.25% · 3.875%
HK$9,633
−HK$256/mo
Today · 4.125%
HK$9,889
baseline
▲ 0.50% · 4.625%
HK$10,410
+HK$521/mo
Deposit HK$1.85M · loan HK$1.85M · min. income ≈ HK$19,778/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$10,120
−HK$634/mo
▼ 0.25% · 3.875%
HK$10,435
−HK$319/mo
Today · 4.125%
HK$10,754
baseline
▲ 0.50% · 4.625%
HK$11,409
+HK$655/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$21,508/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$11,258
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,560
−HK$306/mo
Today · 4.125%
HK$11,866
baseline
▲ 0.50% · 4.625%
HK$12,492
+HK$626/mo
Deposit HK$1.48M · loan HK$2.22M · min. income ≈ HK$23,732/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$11,806
−HK$741/mo
▼ 0.25% · 3.875%
HK$12,174
−HK$373/mo
Today · 4.125%
HK$12,547
baseline
▲ 0.50% · 4.625%
HK$13,310
+HK$763/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$25,094/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$13,135
−HK$709/mo
▼ 0.25% · 3.875%
HK$13,487
−HK$357/mo
Today · 4.125%
HK$13,844
baseline
▲ 0.50% · 4.625%
HK$14,574
+HK$730/mo
Deposit HK$1.11M · loan HK$2.59M · min. income ≈ HK$27,688/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$15,180
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,652
−HK$480/mo
Today · 4.125%
HK$16,132
baseline
▲ 0.50% · 4.625%
HK$17,113
+HK$981/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$32,264/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$16,887
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,340
−HK$460/mo
Today · 4.125%
HK$17,800
baseline
▲ 0.50% · 4.625%
HK$18,738
+HK$938/mo
Deposit HK$370K · loan HK$3.33M · min. income ≈ HK$35,600/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).