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$8,405
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,666
−HK$266/mo
Today · 4.125%
HK$8,932
baseline
▲ 0.50% · 4.625%
HK$9,475
+HK$543/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,864/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$9,350
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,601
−HK$254/mo
Today · 4.125%
HK$9,855
baseline
▲ 0.50% · 4.625%
HK$10,375
+HK$520/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,710/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$10,085
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,399
−HK$319/mo
Today · 4.125%
HK$10,718
baseline
▲ 0.50% · 4.625%
HK$11,370
+HK$652/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,436/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$11,220
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,521
−HK$305/mo
Today · 4.125%
HK$11,826
baseline
▲ 0.50% · 4.625%
HK$12,450
+HK$624/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,652/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$11,766
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,132
−HK$372/mo
Today · 4.125%
HK$12,504
baseline
▲ 0.50% · 4.625%
HK$13,265
+HK$761/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,008/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$13,090
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,441
−HK$356/mo
Today · 4.125%
HK$13,797
baseline
▲ 0.50% · 4.625%
HK$14,524
+HK$727/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,594/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$15,128
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,599
−HK$478/mo
Today · 4.125%
HK$16,077
baseline
▲ 0.50% · 4.625%
HK$17,055
+HK$978/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,154/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$16,830
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,281
−HK$458/mo
Today · 4.125%
HK$17,739
baseline
▲ 0.50% · 4.625%
HK$18,674
+HK$935/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,478/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).