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$526/mo
▼ 0.25% · 3.875%
HK$8,635
−HK$265/mo
Today · 4.125%
HK$8,900
baseline
▲ 0.50% · 4.625%
HK$9,441
+HK$541/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,800/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$504/mo
▼ 0.25% · 3.875%
HK$9,566
−HK$254/mo
Today · 4.125%
HK$9,820
baseline
▲ 0.50% · 4.625%
HK$10,337
+HK$517/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,640/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$10,049
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,362
−HK$317/mo
Today · 4.125%
HK$10,679
baseline
▲ 0.50% · 4.625%
HK$11,329
+HK$650/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,358/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$11,180
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,480
−HK$304/mo
Today · 4.125%
HK$11,784
baseline
▲ 0.50% · 4.625%
HK$12,405
+HK$621/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,568/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$11,724
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,089
−HK$370/mo
Today · 4.125%
HK$12,459
baseline
▲ 0.50% · 4.625%
HK$13,218
+HK$759/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,918/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$13,043
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,393
−HK$355/mo
Today · 4.125%
HK$13,748
baseline
▲ 0.50% · 4.625%
HK$14,472
+HK$724/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,496/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$15,074
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,543
−HK$476/mo
Today · 4.125%
HK$16,019
baseline
▲ 0.50% · 4.625%
HK$16,994
+HK$975/mo
Deposit HK$367K · loan HK$3.31M · min. income ≈ HK$32,038/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$16,770
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,219
−HK$457/mo
Today · 4.125%
HK$17,676
baseline
▲ 0.50% · 4.625%
HK$18,607
+HK$931/mo
Deposit HK$367K · loan HK$3.31M · min. income ≈ HK$35,352/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).