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$8,386
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,647
−HK$265/mo
Today · 4.125%
HK$8,912
baseline
▲ 0.50% · 4.625%
HK$9,454
+HK$542/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,824/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$9,329
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,580
−HK$254/mo
Today · 4.125%
HK$9,834
baseline
▲ 0.50% · 4.625%
HK$10,352
+HK$518/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,668/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$10,063
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,376
−HK$318/mo
Today · 4.125%
HK$10,694
baseline
▲ 0.50% · 4.625%
HK$11,345
+HK$651/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,388/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$11,195
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,496
−HK$304/mo
Today · 4.125%
HK$11,800
baseline
▲ 0.50% · 4.625%
HK$12,422
+HK$622/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,600/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$11,741
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,106
−HK$371/mo
Today · 4.125%
HK$12,477
baseline
▲ 0.50% · 4.625%
HK$13,236
+HK$759/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,954/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$13,061
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,412
−HK$355/mo
Today · 4.125%
HK$13,767
baseline
▲ 0.50% · 4.625%
HK$14,493
+HK$726/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,534/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$15,095
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,565
−HK$477/mo
Today · 4.125%
HK$16,042
baseline
▲ 0.50% · 4.625%
HK$17,018
+HK$976/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,084/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$16,793
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,243
−HK$457/mo
Today · 4.125%
HK$17,700
baseline
▲ 0.50% · 4.625%
HK$18,633
+HK$933/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,400/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).