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$8,392
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,654
−HK$265/mo
Today · 4.125%
HK$8,919
baseline
▲ 0.50% · 4.625%
HK$9,461
+HK$542/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,838/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$9,337
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,587
−HK$254/mo
Today · 4.125%
HK$9,841
baseline
▲ 0.50% · 4.625%
HK$10,360
+HK$519/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,682/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$10,071
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,384
−HK$319/mo
Today · 4.125%
HK$10,703
baseline
▲ 0.50% · 4.625%
HK$11,354
+HK$651/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,406/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$11,204
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,504
−HK$305/mo
Today · 4.125%
HK$11,809
baseline
▲ 0.50% · 4.625%
HK$12,432
+HK$623/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,618/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$11,749
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,115
−HK$371/mo
Today · 4.125%
HK$12,486
baseline
▲ 0.50% · 4.625%
HK$13,246
+HK$760/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$24,972/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$13,071
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,422
−HK$355/mo
Today · 4.125%
HK$13,777
baseline
▲ 0.50% · 4.625%
HK$14,504
+HK$727/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$27,554/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$15,106
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,576
−HK$478/mo
Today · 4.125%
HK$16,054
baseline
▲ 0.50% · 4.625%
HK$17,031
+HK$977/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,108/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$16,806
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,257
−HK$457/mo
Today · 4.125%
HK$17,714
baseline
▲ 0.50% · 4.625%
HK$18,647
+HK$933/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,428/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).