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$8,399
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,660
−HK$266/mo
Today · 4.125%
HK$8,926
baseline
▲ 0.50% · 4.625%
HK$9,469
+HK$543/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,852/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$9,344
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,595
−HK$254/mo
Today · 4.125%
HK$9,849
baseline
▲ 0.50% · 4.625%
HK$10,368
+HK$519/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,698/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$10,079
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,393
−HK$318/mo
Today · 4.125%
HK$10,711
baseline
▲ 0.50% · 4.625%
HK$11,363
+HK$652/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,422/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$11,213
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,514
−HK$305/mo
Today · 4.125%
HK$11,819
baseline
▲ 0.50% · 4.625%
HK$12,442
+HK$623/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,638/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$11,759
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,125
−HK$371/mo
Today · 4.125%
HK$12,496
baseline
▲ 0.50% · 4.625%
HK$13,257
+HK$761/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$24,992/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$13,082
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,433
−HK$355/mo
Today · 4.125%
HK$13,788
baseline
▲ 0.50% · 4.625%
HK$14,515
+HK$727/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,576/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$15,119
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,589
−HK$478/mo
Today · 4.125%
HK$16,067
baseline
▲ 0.50% · 4.625%
HK$17,044
+HK$977/mo
Deposit HK$368K · loan HK$3.32M · min. income ≈ HK$32,134/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$16,819
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,270
−HK$458/mo
Today · 4.125%
HK$17,728
baseline
▲ 0.50% · 4.625%
HK$18,662
+HK$934/mo
Deposit HK$368K · loan HK$3.32M · min. income ≈ HK$35,456/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).