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$8,400
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,661
−HK$266/mo
Today · 4.125%
HK$8,927
baseline
▲ 0.50% · 4.625%
HK$9,470
+HK$543/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,854/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$9,345
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,595
−HK$255/mo
Today · 4.125%
HK$9,850
baseline
▲ 0.50% · 4.625%
HK$10,369
+HK$519/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,700/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$10,080
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,393
−HK$319/mo
Today · 4.125%
HK$10,712
baseline
▲ 0.50% · 4.625%
HK$11,364
+HK$652/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,424/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$11,214
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,515
−HK$305/mo
Today · 4.125%
HK$11,820
baseline
▲ 0.50% · 4.625%
HK$12,443
+HK$623/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,640/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$11,760
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,126
−HK$371/mo
Today · 4.125%
HK$12,497
baseline
▲ 0.50% · 4.625%
HK$13,258
+HK$761/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$24,994/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$13,083
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,434
−HK$356/mo
Today · 4.125%
HK$13,790
baseline
▲ 0.50% · 4.625%
HK$14,516
+HK$726/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,580/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$15,120
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,590
−HK$478/mo
Today · 4.125%
HK$16,068
baseline
▲ 0.50% · 4.625%
HK$17,046
+HK$978/mo
Deposit HK$368K · loan HK$3.32M · min. income ≈ HK$32,136/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$16,821
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,272
−HK$457/mo
Today · 4.125%
HK$17,729
baseline
▲ 0.50% · 4.625%
HK$18,664
+HK$935/mo
Deposit HK$368K · loan HK$3.32M · min. income ≈ HK$35,458/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).