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$8,410
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,672
−HK$266/mo
Today · 4.125%
HK$8,938
baseline
▲ 0.50% · 4.625%
HK$9,481
+HK$543/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,876/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$9,356
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,607
−HK$255/mo
Today · 4.125%
HK$9,862
baseline
▲ 0.50% · 4.625%
HK$10,381
+HK$519/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,724/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$10,092
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,406
−HK$319/mo
Today · 4.125%
HK$10,725
baseline
▲ 0.50% · 4.625%
HK$11,378
+HK$653/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$21,450/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$11,227
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,529
−HK$305/mo
Today · 4.125%
HK$11,834
baseline
▲ 0.50% · 4.625%
HK$12,458
+HK$624/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$23,668/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$11,774
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,140
−HK$373/mo
Today · 4.125%
HK$12,513
baseline
▲ 0.50% · 4.625%
HK$13,274
+HK$761/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,026/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$13,099
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,450
−HK$356/mo
Today · 4.125%
HK$13,806
baseline
▲ 0.50% · 4.625%
HK$14,534
+HK$728/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,612/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$15,138
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,609
−HK$479/mo
Today · 4.125%
HK$16,088
baseline
▲ 0.50% · 4.625%
HK$17,066
+HK$978/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,176/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$16,841
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,293
−HK$458/mo
Today · 4.125%
HK$17,751
baseline
▲ 0.50% · 4.625%
HK$18,687
+HK$936/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,502/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).