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$8,413
−HK$527/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$506/mo
▼ 0.25% · 3.875%
HK$9,610
−HK$255/mo
Today · 4.125%
HK$9,865
baseline
▲ 0.50% · 4.625%
HK$10,385
+HK$520/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,730/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$11,231
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,532
−HK$306/mo
Today · 4.125%
HK$11,838
baseline
▲ 0.50% · 4.625%
HK$12,461
+HK$623/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$23,676/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$11,778
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,144
−HK$372/mo
Today · 4.125%
HK$12,516
baseline
▲ 0.50% · 4.625%
HK$13,278
+HK$762/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$13,103
−HK$707/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$15,143
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,614
−HK$478/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$17,298
−HK$458/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).