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$8,375
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,636
−HK$265/mo
Today · 4.125%
HK$8,901
baseline
▲ 0.50% · 4.625%
HK$9,442
+HK$541/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,802/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$9,318
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,567
−HK$254/mo
Today · 4.125%
HK$9,821
baseline
▲ 0.50% · 4.625%
HK$10,339
+HK$518/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,642/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$10,051
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,363
−HK$318/mo
Today · 4.125%
HK$10,681
baseline
▲ 0.50% · 4.625%
HK$11,331
+HK$650/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,362/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$11,181
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,481
−HK$304/mo
Today · 4.125%
HK$11,785
baseline
▲ 0.50% · 4.625%
HK$12,406
+HK$621/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,570/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$11,726
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,090
−HK$371/mo
Today · 4.125%
HK$12,461
baseline
▲ 0.50% · 4.625%
HK$13,219
+HK$758/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,922/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$13,045
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,394
−HK$355/mo
Today · 4.125%
HK$13,749
baseline
▲ 0.50% · 4.625%
HK$14,474
+HK$725/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,498/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$15,076
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,545
−HK$476/mo
Today · 4.125%
HK$16,021
baseline
▲ 0.50% · 4.625%
HK$16,996
+HK$975/mo
Deposit HK$367K · loan HK$3.31M · min. income ≈ HK$32,042/mo (50% DSR)
Upfront cash ≈ HK$367K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,772
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,221
−HK$457/mo
Today · 4.125%
HK$17,678
baseline
▲ 0.50% · 4.625%
HK$18,610
+HK$932/mo
Deposit HK$367K · loan HK$3.31M · min. income ≈ HK$35,356/mo (50% DSR)
Upfront cash ≈ HK$367K (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).