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$525/mo
▼ 0.25% · 3.875%
HK$8,635
−HK$265/mo
Today · 4.125%
HK$8,900
baseline
▲ 0.50% · 4.625%
HK$9,441
+HK$541/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,800/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$9,317
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,567
−HK$253/mo
Today · 4.125%
HK$9,820
baseline
▲ 0.50% · 4.625%
HK$10,338
+HK$518/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,640/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$10,050
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,362
−HK$318/mo
Today · 4.125%
HK$10,680
baseline
▲ 0.50% · 4.625%
HK$11,330
+HK$650/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,360/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$11,180
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,480
−HK$304/mo
Today · 4.125%
HK$11,784
baseline
▲ 0.50% · 4.625%
HK$12,405
+HK$621/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,568/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$11,725
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,089
−HK$371/mo
Today · 4.125%
HK$12,460
baseline
▲ 0.50% · 4.625%
HK$13,218
+HK$758/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,920/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$13,043
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,393
−HK$355/mo
Today · 4.125%
HK$13,748
baseline
▲ 0.50% · 4.625%
HK$14,473
+HK$725/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,496/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$15,074
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,543
−HK$477/mo
Today · 4.125%
HK$16,020
baseline
▲ 0.50% · 4.625%
HK$16,994
+HK$974/mo
Deposit HK$367K · loan HK$3.31M · min. income ≈ HK$32,040/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$16,770
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,220
−HK$456/mo
Today · 4.125%
HK$17,676
baseline
▲ 0.50% · 4.625%
HK$18,608
+HK$932/mo
Deposit HK$367K · loan HK$3.31M · min. income ≈ HK$35,352/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).