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$8,381
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,641
−HK$265/mo
Today · 4.125%
HK$8,906
baseline
▲ 0.50% · 4.625%
HK$9,448
+HK$542/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,812/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$9,323
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,573
−HK$254/mo
Today · 4.125%
HK$9,827
baseline
▲ 0.50% · 4.625%
HK$10,345
+HK$518/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,654/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$10,057
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,369
−HK$318/mo
Today · 4.125%
HK$10,687
baseline
▲ 0.50% · 4.625%
HK$11,338
+HK$651/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,374/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$11,188
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,488
−HK$304/mo
Today · 4.125%
HK$11,792
baseline
▲ 0.50% · 4.625%
HK$12,414
+HK$622/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,584/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$11,733
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,098
−HK$371/mo
Today · 4.125%
HK$12,469
baseline
▲ 0.50% · 4.625%
HK$13,227
+HK$758/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,938/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$13,053
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,403
−HK$355/mo
Today · 4.125%
HK$13,758
baseline
▲ 0.50% · 4.625%
HK$14,483
+HK$725/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,516/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$15,085
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,554
−HK$477/mo
Today · 4.125%
HK$16,031
baseline
▲ 0.50% · 4.625%
HK$17,006
+HK$975/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,062/mo (50% DSR)
Upfront cash ≈ HK$368K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,782
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,232
−HK$457/mo
Today · 4.125%
HK$17,689
baseline
▲ 0.50% · 4.625%
HK$18,621
+HK$932/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,378/mo (50% DSR)
Upfront cash ≈ HK$368K (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).