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$8,414
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,676
−HK$266/mo
Today · 4.125%
HK$8,942
baseline
▲ 0.50% · 4.625%
HK$9,486
+HK$544/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,884/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,360
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,611
−HK$255/mo
Today · 4.125%
HK$9,866
baseline
▲ 0.50% · 4.625%
HK$10,386
+HK$520/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,732/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,097
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,411
−HK$319/mo
Today · 4.125%
HK$10,730
baseline
▲ 0.50% · 4.625%
HK$11,383
+HK$653/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$21,460/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$11,232
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,534
−HK$305/mo
Today · 4.125%
HK$11,839
baseline
▲ 0.50% · 4.625%
HK$12,463
+HK$624/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$23,678/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$11,779
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,146
−HK$372/mo
Today · 4.125%
HK$12,518
baseline
▲ 0.50% · 4.625%
HK$13,280
+HK$762/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,036/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$13,105
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,456
−HK$357/mo
Today · 4.125%
HK$13,813
baseline
▲ 0.50% · 4.625%
HK$14,541
+HK$728/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,626/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$15,145
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,616
−HK$479/mo
Today · 4.125%
HK$16,095
baseline
▲ 0.50% · 4.625%
HK$17,074
+HK$979/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,190/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$16,849
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,301
−HK$458/mo
Today · 4.125%
HK$17,759
baseline
▲ 0.50% · 4.625%
HK$18,695
+HK$936/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,518/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).