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$8,387
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,648
−HK$265/mo
Today · 4.125%
HK$8,913
baseline
▲ 0.50% · 4.625%
HK$9,455
+HK$542/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,826/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$9,330
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,581
−HK$254/mo
Today · 4.125%
HK$9,835
baseline
▲ 0.50% · 4.625%
HK$10,353
+HK$518/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,670/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$10,064
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,377
−HK$319/mo
Today · 4.125%
HK$10,696
baseline
▲ 0.50% · 4.625%
HK$11,346
+HK$650/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,392/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$11,197
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,497
−HK$304/mo
Today · 4.125%
HK$11,801
baseline
▲ 0.50% · 4.625%
HK$12,424
+HK$623/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,602/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$11,742
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,107
−HK$371/mo
Today · 4.125%
HK$12,478
baseline
▲ 0.50% · 4.625%
HK$13,237
+HK$759/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,956/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$13,063
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,413
−HK$355/mo
Today · 4.125%
HK$13,768
baseline
▲ 0.50% · 4.625%
HK$14,494
+HK$726/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,536/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$15,097
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,566
−HK$477/mo
Today · 4.125%
HK$16,043
baseline
▲ 0.50% · 4.625%
HK$17,019
+HK$976/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,086/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$16,795
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,245
−HK$457/mo
Today · 4.125%
HK$17,702
baseline
▲ 0.50% · 4.625%
HK$18,635
+HK$933/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,404/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).