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$8,408
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,670
−HK$265/mo
Today · 4.125%
HK$8,935
baseline
▲ 0.50% · 4.625%
HK$9,479
+HK$544/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,870/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$9,354
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,605
−HK$254/mo
Today · 4.125%
HK$9,859
baseline
▲ 0.50% · 4.625%
HK$10,379
+HK$520/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,718/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$10,090
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,404
−HK$318/mo
Today · 4.125%
HK$10,722
baseline
▲ 0.50% · 4.625%
HK$11,375
+HK$653/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,444/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$11,225
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,526
−HK$305/mo
Today · 4.125%
HK$11,831
baseline
▲ 0.50% · 4.625%
HK$12,455
+HK$624/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,662/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$11,771
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,137
−HK$372/mo
Today · 4.125%
HK$12,509
baseline
▲ 0.50% · 4.625%
HK$13,271
+HK$762/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,018/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$13,095
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,447
−HK$356/mo
Today · 4.125%
HK$13,803
baseline
▲ 0.50% · 4.625%
HK$14,531
+HK$728/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,606/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$15,135
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,605
−HK$479/mo
Today · 4.125%
HK$16,084
baseline
▲ 0.50% · 4.625%
HK$17,062
+HK$978/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,168/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$16,837
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,289
−HK$458/mo
Today · 4.125%
HK$17,747
baseline
▲ 0.50% · 4.625%
HK$18,682
+HK$935/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,494/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).