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$8,411
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,672
−HK$266/mo
Today · 4.125%
HK$8,938
baseline
▲ 0.50% · 4.625%
HK$9,482
+HK$544/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$9,357
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,608
−HK$254/mo
Today · 4.125%
HK$9,862
baseline
▲ 0.50% · 4.625%
HK$10,382
+HK$520/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$10,093
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,407
−HK$319/mo
Today · 4.125%
HK$10,726
baseline
▲ 0.50% · 4.625%
HK$11,378
+HK$652/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$21,452/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$11,228
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,529
−HK$306/mo
Today · 4.125%
HK$11,835
baseline
▲ 0.50% · 4.625%
HK$12,459
+HK$624/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$23,670/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$11,775
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,141
−HK$372/mo
Today · 4.125%
HK$12,513
baseline
▲ 0.50% · 4.625%
HK$13,275
+HK$762/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$708/mo
▼ 0.25% · 3.875%
HK$13,451
−HK$356/mo
Today · 4.125%
HK$13,807
baseline
▲ 0.50% · 4.625%
HK$14,535
+HK$728/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,614/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$15,139
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,610
−HK$479/mo
Today · 4.125%
HK$16,089
baseline
▲ 0.50% · 4.625%
HK$17,067
+HK$978/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,178/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$16,842
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,294
−HK$458/mo
Today · 4.125%
HK$17,752
baseline
▲ 0.50% · 4.625%
HK$18,688
+HK$936/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,504/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).