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$8,380
−HK$526/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$10,056
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,369
−HK$318/mo
Today · 4.125%
HK$10,687
baseline
▲ 0.50% · 4.625%
HK$11,337
+HK$650/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$11,187
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,487
−HK$305/mo
Today · 4.125%
HK$11,792
baseline
▲ 0.50% · 4.625%
HK$12,413
+HK$621/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$11,732
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,097
−HK$371/mo
Today · 4.125%
HK$12,468
baseline
▲ 0.50% · 4.625%
HK$13,227
+HK$759/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,936/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$13,052
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,402
−HK$355/mo
Today · 4.125%
HK$13,757
baseline
▲ 0.50% · 4.625%
HK$14,482
+HK$725/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,514/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$15,084
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,554
−HK$476/mo
Today · 4.125%
HK$16,030
baseline
▲ 0.50% · 4.625%
HK$17,006
+HK$976/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,060/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$16,781
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,231
−HK$457/mo
Today · 4.125%
HK$17,688
baseline
▲ 0.50% · 4.625%
HK$18,620
+HK$932/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,376/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).