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$8,409
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,670
−HK$266/mo
Today · 4.125%
HK$8,936
baseline
▲ 0.50% · 4.625%
HK$9,480
+HK$544/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,872/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$506/mo
▼ 0.25% · 3.875%
HK$9,605
−HK$255/mo
Today · 4.125%
HK$9,860
baseline
▲ 0.50% · 4.625%
HK$10,380
+HK$520/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,720/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$633/mo
▼ 0.25% · 3.875%
HK$10,404
−HK$319/mo
Today · 4.125%
HK$10,723
baseline
▲ 0.50% · 4.625%
HK$11,375
+HK$652/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$21,446/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$607/mo
▼ 0.25% · 3.875%
HK$11,526
−HK$306/mo
Today · 4.125%
HK$11,832
baseline
▲ 0.50% · 4.625%
HK$12,455
+HK$623/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$23,664/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$11,772
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,138
−HK$372/mo
Today · 4.125%
HK$12,510
baseline
▲ 0.50% · 4.625%
HK$13,271
+HK$761/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,020/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$13,096
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,447
−HK$357/mo
Today · 4.125%
HK$13,804
baseline
▲ 0.50% · 4.625%
HK$14,531
+HK$727/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,608/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$15,606
−HK$478/mo
Today · 4.125%
HK$16,084
baseline
▲ 0.50% · 4.625%
HK$17,063
+HK$979/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$16,838
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,290
−HK$458/mo
Today · 4.125%
HK$17,748
baseline
▲ 0.50% · 4.625%
HK$18,683
+HK$935/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,496/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).