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$8,402
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,664
−HK$265/mo
Today · 4.125%
HK$8,929
baseline
▲ 0.50% · 4.625%
HK$9,473
+HK$544/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,858/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$9,348
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,598
−HK$255/mo
Today · 4.125%
HK$9,853
baseline
▲ 0.50% · 4.625%
HK$10,372
+HK$519/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,706/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$10,083
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,397
−HK$318/mo
Today · 4.125%
HK$10,715
baseline
▲ 0.50% · 4.625%
HK$11,367
+HK$652/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,430/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$11,217
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,518
−HK$305/mo
Today · 4.125%
HK$11,823
baseline
▲ 0.50% · 4.625%
HK$12,446
+HK$623/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,646/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$11,763
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,129
−HK$372/mo
Today · 4.125%
HK$12,501
baseline
▲ 0.50% · 4.625%
HK$13,262
+HK$761/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,002/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$13,087
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,438
−HK$356/mo
Today · 4.125%
HK$13,794
baseline
▲ 0.50% · 4.625%
HK$14,521
+HK$727/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,588/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$15,124
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,595
−HK$478/mo
Today · 4.125%
HK$16,073
baseline
▲ 0.50% · 4.625%
HK$17,051
+HK$978/mo
Deposit HK$368K · loan HK$3.32M · min. income ≈ HK$32,146/mo (50% DSR)
Upfront cash ≈ HK$369K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,826
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,277
−HK$458/mo
Today · 4.125%
HK$17,735
baseline
▲ 0.50% · 4.625%
HK$18,670
+HK$935/mo
Deposit HK$368K · loan HK$3.32M · min. income ≈ HK$35,470/mo (50% DSR)
Upfront cash ≈ HK$369K (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).