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$8,395
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,656
−HK$265/mo
Today · 4.125%
HK$8,921
baseline
▲ 0.50% · 4.625%
HK$9,464
+HK$543/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,842/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$9,339
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,589
−HK$254/mo
Today · 4.125%
HK$9,843
baseline
▲ 0.50% · 4.625%
HK$10,362
+HK$519/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,686/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$10,073
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,387
−HK$318/mo
Today · 4.125%
HK$10,705
baseline
▲ 0.50% · 4.625%
HK$11,357
+HK$652/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,410/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$11,207
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,507
−HK$305/mo
Today · 4.125%
HK$11,812
baseline
▲ 0.50% · 4.625%
HK$12,435
+HK$623/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,624/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$11,752
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,118
−HK$371/mo
Today · 4.125%
HK$12,489
baseline
▲ 0.50% · 4.625%
HK$13,249
+HK$760/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$24,978/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$13,074
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,425
−HK$356/mo
Today · 4.125%
HK$13,781
baseline
▲ 0.50% · 4.625%
HK$14,507
+HK$726/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$27,562/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$15,110
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,580
−HK$478/mo
Today · 4.125%
HK$16,058
baseline
▲ 0.50% · 4.625%
HK$17,035
+HK$977/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,116/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$16,810
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,261
−HK$457/mo
Today · 4.125%
HK$17,718
baseline
▲ 0.50% · 4.625%
HK$18,652
+HK$934/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,436/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).