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$8,389
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,649
−HK$266/mo
Today · 4.125%
HK$8,915
baseline
▲ 0.50% · 4.625%
HK$9,457
+HK$542/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,830/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$9,332
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,582
−HK$254/mo
Today · 4.125%
HK$9,836
baseline
▲ 0.50% · 4.625%
HK$10,355
+HK$519/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,672/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$10,066
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,379
−HK$318/mo
Today · 4.125%
HK$10,697
baseline
▲ 0.50% · 4.625%
HK$11,348
+HK$651/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,394/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$11,199
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,499
−HK$305/mo
Today · 4.125%
HK$11,804
baseline
▲ 0.50% · 4.625%
HK$12,426
+HK$622/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,608/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$11,744
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,109
−HK$371/mo
Today · 4.125%
HK$12,480
baseline
▲ 0.50% · 4.625%
HK$13,240
+HK$760/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$24,960/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$13,065
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,415
−HK$356/mo
Today · 4.125%
HK$13,771
baseline
▲ 0.50% · 4.625%
HK$14,497
+HK$726/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$27,542/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$15,099
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,569
−HK$477/mo
Today · 4.125%
HK$16,046
baseline
▲ 0.50% · 4.625%
HK$17,023
+HK$977/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,092/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$16,798
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,248
−HK$457/mo
Today · 4.125%
HK$17,705
baseline
▲ 0.50% · 4.625%
HK$18,639
+HK$934/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,410/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).