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$8,376
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,637
−HK$264/mo
Today · 4.125%
HK$8,901
baseline
▲ 0.50% · 4.625%
HK$9,443
+HK$542/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,802/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$9,318
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,568
−HK$254/mo
Today · 4.125%
HK$9,822
baseline
▲ 0.50% · 4.625%
HK$10,340
+HK$518/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,644/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$10,051
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,364
−HK$318/mo
Today · 4.125%
HK$10,682
baseline
▲ 0.50% · 4.625%
HK$11,332
+HK$650/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,364/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$11,182
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,482
−HK$304/mo
Today · 4.125%
HK$11,786
baseline
▲ 0.50% · 4.625%
HK$12,407
+HK$621/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,572/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$11,727
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,091
−HK$371/mo
Today · 4.125%
HK$12,462
baseline
▲ 0.50% · 4.625%
HK$13,220
+HK$758/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,924/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$13,046
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,396
−HK$355/mo
Today · 4.125%
HK$13,751
baseline
▲ 0.50% · 4.625%
HK$14,475
+HK$724/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,502/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$15,077
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,546
−HK$477/mo
Today · 4.125%
HK$16,023
baseline
▲ 0.50% · 4.625%
HK$16,997
+HK$974/mo
Deposit HK$367K · loan HK$3.31M · min. income ≈ HK$32,046/mo (50% DSR)
Upfront cash ≈ HK$367K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,773
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,223
−HK$456/mo
Today · 4.125%
HK$17,679
baseline
▲ 0.50% · 4.625%
HK$18,611
+HK$932/mo
Deposit HK$367K · loan HK$3.31M · min. income ≈ HK$35,358/mo (50% DSR)
Upfront cash ≈ HK$367K (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).