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$8,384
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,645
−HK$265/mo
Today · 4.125%
HK$8,910
baseline
▲ 0.50% · 4.625%
HK$9,452
+HK$542/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,820/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$9,327
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,577
−HK$254/mo
Today · 4.125%
HK$9,831
baseline
▲ 0.50% · 4.625%
HK$10,349
+HK$518/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,662/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$10,061
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,374
−HK$317/mo
Today · 4.125%
HK$10,691
baseline
▲ 0.50% · 4.625%
HK$11,342
+HK$651/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,382/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$11,192
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,492
−HK$305/mo
Today · 4.125%
HK$11,797
baseline
▲ 0.50% · 4.625%
HK$12,419
+HK$622/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,594/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$11,737
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,102
−HK$371/mo
Today · 4.125%
HK$12,473
baseline
▲ 0.50% · 4.625%
HK$13,232
+HK$759/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,946/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$13,058
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,408
−HK$355/mo
Today · 4.125%
HK$13,763
baseline
▲ 0.50% · 4.625%
HK$14,489
+HK$726/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,526/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$15,091
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,560
−HK$477/mo
Today · 4.125%
HK$16,037
baseline
▲ 0.50% · 4.625%
HK$17,013
+HK$976/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,074/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$16,788
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,239
−HK$456/mo
Today · 4.125%
HK$17,695
baseline
▲ 0.50% · 4.625%
HK$18,628
+HK$933/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,390/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).