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$8,383
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,644
−HK$264/mo
Today · 4.125%
HK$8,908
baseline
▲ 0.50% · 4.625%
HK$9,450
+HK$542/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,816/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$9,326
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,576
−HK$254/mo
Today · 4.125%
HK$9,830
baseline
▲ 0.50% · 4.625%
HK$10,348
+HK$518/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,660/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$10,059
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,372
−HK$318/mo
Today · 4.125%
HK$10,690
baseline
▲ 0.50% · 4.625%
HK$11,341
+HK$651/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,380/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$11,191
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,491
−HK$304/mo
Today · 4.125%
HK$11,795
baseline
▲ 0.50% · 4.625%
HK$12,417
+HK$622/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,590/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$11,736
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,101
−HK$371/mo
Today · 4.125%
HK$12,472
baseline
▲ 0.50% · 4.625%
HK$13,231
+HK$759/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,944/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$13,056
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,406
−HK$355/mo
Today · 4.125%
HK$13,761
baseline
▲ 0.50% · 4.625%
HK$14,487
+HK$726/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,522/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$15,089
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,558
−HK$477/mo
Today · 4.125%
HK$16,035
baseline
▲ 0.50% · 4.625%
HK$17,011
+HK$976/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,070/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$16,786
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,237
−HK$456/mo
Today · 4.125%
HK$17,693
baseline
▲ 0.50% · 4.625%
HK$18,626
+HK$933/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,386/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).