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$8,387
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,648
−HK$265/mo
Today · 4.125%
HK$8,913
baseline
▲ 0.50% · 4.625%
HK$9,456
+HK$543/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,826/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,331
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,581
−HK$254/mo
Today · 4.125%
HK$9,835
baseline
▲ 0.50% · 4.625%
HK$10,353
+HK$518/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,670/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,065
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,378
−HK$318/mo
Today · 4.125%
HK$10,696
baseline
▲ 0.50% · 4.625%
HK$11,347
+HK$651/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,392/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,197
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,497
−HK$305/mo
Today · 4.125%
HK$11,802
baseline
▲ 0.50% · 4.625%
HK$12,424
+HK$622/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,604/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,742
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,108
−HK$371/mo
Today · 4.125%
HK$12,479
baseline
▲ 0.50% · 4.625%
HK$13,238
+HK$759/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,958/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,063
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,414
−HK$355/mo
Today · 4.125%
HK$13,769
baseline
▲ 0.50% · 4.625%
HK$14,495
+HK$726/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,538/mo (50% DSR)
Upfront cash ≈ HK$1.10M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,097
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,567
−HK$477/mo
Today · 4.125%
HK$16,044
baseline
▲ 0.50% · 4.625%
HK$17,020
+HK$976/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,088/mo (50% DSR)
Upfront cash ≈ HK$368K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,796
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,246
−HK$457/mo
Today · 4.125%
HK$17,703
baseline
▲ 0.50% · 4.625%
HK$18,636
+HK$933/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,406/mo (50% DSR)
Upfront cash ≈ HK$368K (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).