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$8,403
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,664
−HK$266/mo
Today · 4.125%
HK$8,930
baseline
▲ 0.50% · 4.625%
HK$9,473
+HK$543/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,860/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$9,348
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,599
−HK$254/mo
Today · 4.125%
HK$9,853
baseline
▲ 0.50% · 4.625%
HK$10,372
+HK$519/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,706/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$10,083
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,397
−HK$319/mo
Today · 4.125%
HK$10,716
baseline
▲ 0.50% · 4.625%
HK$11,368
+HK$652/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,432/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$11,218
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,518
−HK$306/mo
Today · 4.125%
HK$11,824
baseline
▲ 0.50% · 4.625%
HK$12,447
+HK$623/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,648/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$11,764
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,130
−HK$372/mo
Today · 4.125%
HK$12,502
baseline
▲ 0.50% · 4.625%
HK$13,262
+HK$760/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,004/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$13,087
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,438
−HK$356/mo
Today · 4.125%
HK$13,794
baseline
▲ 0.50% · 4.625%
HK$14,521
+HK$727/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,588/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$15,125
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,595
−HK$478/mo
Today · 4.125%
HK$16,073
baseline
▲ 0.50% · 4.625%
HK$17,051
+HK$978/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,146/mo (50% DSR)
Upfront cash ≈ HK$369K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,826
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,278
−HK$457/mo
Today · 4.125%
HK$17,735
baseline
▲ 0.50% · 4.625%
HK$18,670
+HK$935/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,470/mo (50% DSR)
Upfront cash ≈ HK$369K (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).