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$8,393
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,654
−HK$265/mo
Today · 4.125%
HK$8,919
baseline
▲ 0.50% · 4.625%
HK$9,462
+HK$543/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$505/mo
▼ 0.25% · 3.875%
HK$9,588
−HK$254/mo
Today · 4.125%
HK$9,842
baseline
▲ 0.50% · 4.625%
HK$10,361
+HK$519/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,684/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$10,072
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,385
−HK$318/mo
Today · 4.125%
HK$10,703
baseline
▲ 0.50% · 4.625%
HK$11,355
+HK$652/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$11,205
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,505
−HK$305/mo
Today · 4.125%
HK$11,810
baseline
▲ 0.50% · 4.625%
HK$12,433
+HK$623/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,620/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$11,750
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,116
−HK$371/mo
Today · 4.125%
HK$12,487
baseline
▲ 0.50% · 4.625%
HK$13,247
+HK$760/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$24,974/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$13,072
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,423
−HK$355/mo
Today · 4.125%
HK$13,778
baseline
▲ 0.50% · 4.625%
HK$14,505
+HK$727/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$27,556/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$15,108
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,578
−HK$477/mo
Today · 4.125%
HK$16,055
baseline
▲ 0.50% · 4.625%
HK$17,032
+HK$977/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,110/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$16,807
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,258
−HK$457/mo
Today · 4.125%
HK$17,715
baseline
▲ 0.50% · 4.625%
HK$18,649
+HK$934/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,430/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).