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$8,407
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,669
−HK$266/mo
Today · 4.125%
HK$8,935
baseline
▲ 0.50% · 4.625%
HK$9,478
+HK$543/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,870/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$9,353
−HK$506/mo
▼ 0.25% · 3.875%
HK$9,604
−HK$255/mo
Today · 4.125%
HK$9,859
baseline
▲ 0.50% · 4.625%
HK$10,378
+HK$519/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,718/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$10,089
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,403
−HK$319/mo
Today · 4.125%
HK$10,722
baseline
▲ 0.50% · 4.625%
HK$11,374
+HK$652/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,444/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$11,224
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,525
−HK$305/mo
Today · 4.125%
HK$11,830
baseline
▲ 0.50% · 4.625%
HK$12,454
+HK$624/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,660/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$11,770
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,137
−HK$372/mo
Today · 4.125%
HK$12,509
baseline
▲ 0.50% · 4.625%
HK$13,270
+HK$761/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,018/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,095
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,446
−HK$356/mo
Today · 4.125%
HK$13,802
baseline
▲ 0.50% · 4.625%
HK$14,530
+HK$728/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,604/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,133
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,604
−HK$478/mo
Today · 4.125%
HK$16,082
baseline
▲ 0.50% · 4.625%
HK$17,061
+HK$979/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,164/mo (50% DSR)
Upfront cash ≈ HK$369K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,836
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,287
−HK$458/mo
Today · 4.125%
HK$17,745
baseline
▲ 0.50% · 4.625%
HK$18,681
+HK$936/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,490/mo (50% DSR)
Upfront cash ≈ HK$369K (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).