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$8,411
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,673
−HK$266/mo
Today · 4.125%
HK$8,939
baseline
▲ 0.50% · 4.625%
HK$9,483
+HK$544/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,878/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$9,357
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,608
−HK$255/mo
Today · 4.125%
HK$9,863
baseline
▲ 0.50% · 4.625%
HK$10,383
+HK$520/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,726/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$10,093
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,407
−HK$319/mo
Today · 4.125%
HK$10,726
baseline
▲ 0.50% · 4.625%
HK$11,379
+HK$653/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$21,452/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$11,229
−HK$607/mo
▼ 0.25% · 3.875%
HK$11,530
−HK$306/mo
Today · 4.125%
HK$11,836
baseline
▲ 0.50% · 4.625%
HK$12,459
+HK$623/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$23,672/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$11,776
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,142
−HK$372/mo
Today · 4.125%
HK$12,514
baseline
▲ 0.50% · 4.625%
HK$13,276
+HK$762/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,028/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$13,100
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,452
−HK$356/mo
Today · 4.125%
HK$13,808
baseline
▲ 0.50% · 4.625%
HK$14,536
+HK$728/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,616/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$15,140
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,611
−HK$479/mo
Today · 4.125%
HK$16,090
baseline
▲ 0.50% · 4.625%
HK$17,069
+HK$979/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,180/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$16,843
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,295
−HK$458/mo
Today · 4.125%
HK$17,753
baseline
▲ 0.50% · 4.625%
HK$18,689
+HK$936/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,506/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).