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$8,385
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,646
−HK$265/mo
Today · 4.125%
HK$8,911
baseline
▲ 0.50% · 4.625%
HK$9,453
+HK$542/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,822/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$9,328
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,578
−HK$254/mo
Today · 4.125%
HK$9,832
baseline
▲ 0.50% · 4.625%
HK$10,350
+HK$518/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,664/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$10,062
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,375
−HK$318/mo
Today · 4.125%
HK$10,693
baseline
▲ 0.50% · 4.625%
HK$11,343
+HK$650/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,386/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$11,194
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,494
−HK$304/mo
Today · 4.125%
HK$11,798
baseline
▲ 0.50% · 4.625%
HK$12,420
+HK$622/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,596/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$11,739
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,104
−HK$371/mo
Today · 4.125%
HK$12,475
baseline
▲ 0.50% · 4.625%
HK$13,234
+HK$759/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,950/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$13,059
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,409
−HK$356/mo
Today · 4.125%
HK$13,765
baseline
▲ 0.50% · 4.625%
HK$14,490
+HK$725/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,530/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$15,093
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,562
−HK$477/mo
Today · 4.125%
HK$16,039
baseline
▲ 0.50% · 4.625%
HK$17,015
+HK$976/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,078/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$16,790
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,241
−HK$457/mo
Today · 4.125%
HK$17,698
baseline
▲ 0.50% · 4.625%
HK$18,630
+HK$932/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,396/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).