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$8,412
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,674
−HK$266/mo
Today · 4.125%
HK$8,940
baseline
▲ 0.50% · 4.625%
HK$9,484
+HK$544/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,880/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$9,359
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,610
−HK$254/mo
Today · 4.125%
HK$9,864
baseline
▲ 0.50% · 4.625%
HK$10,384
+HK$520/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,728/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$10,095
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,409
−HK$319/mo
Today · 4.125%
HK$10,728
baseline
▲ 0.50% · 4.625%
HK$11,381
+HK$653/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$21,456/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$11,230
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,532
−HK$305/mo
Today · 4.125%
HK$11,837
baseline
▲ 0.50% · 4.625%
HK$12,461
+HK$624/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$23,674/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$11,777
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,144
−HK$372/mo
Today · 4.125%
HK$12,516
baseline
▲ 0.50% · 4.625%
HK$13,277
+HK$761/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,032/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$13,102
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,454
−HK$356/mo
Today · 4.125%
HK$13,810
baseline
▲ 0.50% · 4.625%
HK$14,538
+HK$728/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,620/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$15,142
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,613
−HK$479/mo
Today · 4.125%
HK$16,092
baseline
▲ 0.50% · 4.625%
HK$17,071
+HK$979/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,184/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$16,846
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,297
−HK$459/mo
Today · 4.125%
HK$17,756
baseline
▲ 0.50% · 4.625%
HK$18,692
+HK$936/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,512/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).