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$8,374
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,634
−HK$265/mo
Today · 4.125%
HK$8,899
baseline
▲ 0.50% · 4.625%
HK$9,440
+HK$541/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,798/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$9,316
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,565
−HK$254/mo
Today · 4.125%
HK$9,819
baseline
▲ 0.50% · 4.625%
HK$10,336
+HK$517/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,638/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$10,048
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,361
−HK$317/mo
Today · 4.125%
HK$10,678
baseline
▲ 0.50% · 4.625%
HK$11,328
+HK$650/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,356/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$11,179
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,478
−HK$305/mo
Today · 4.125%
HK$11,783
baseline
▲ 0.50% · 4.625%
HK$12,404
+HK$621/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,566/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$11,723
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,088
−HK$370/mo
Today · 4.125%
HK$12,458
baseline
▲ 0.50% · 4.625%
HK$13,216
+HK$758/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,916/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$13,042
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,392
−HK$354/mo
Today · 4.125%
HK$13,746
baseline
▲ 0.50% · 4.625%
HK$14,471
+HK$725/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,492/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$15,072
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,541
−HK$477/mo
Today · 4.125%
HK$16,018
baseline
▲ 0.50% · 4.625%
HK$16,992
+HK$974/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$32,036/mo (50% DSR)
Upfront cash ≈ HK$367K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,768
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,218
−HK$456/mo
Today · 4.125%
HK$17,674
baseline
▲ 0.50% · 4.625%
HK$18,606
+HK$932/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,348/mo (50% DSR)
Upfront cash ≈ HK$367K (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).