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$8,382
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,643
−HK$265/mo
Today · 4.125%
HK$8,908
baseline
▲ 0.50% · 4.625%
HK$9,450
+HK$542/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,816/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$9,325
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,575
−HK$254/mo
Today · 4.125%
HK$9,829
baseline
▲ 0.50% · 4.625%
HK$10,347
+HK$518/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,658/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$10,059
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,372
−HK$317/mo
Today · 4.125%
HK$10,689
baseline
▲ 0.50% · 4.625%
HK$11,340
+HK$651/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,378/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$11,190
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,490
−HK$305/mo
Today · 4.125%
HK$11,795
baseline
▲ 0.50% · 4.625%
HK$12,416
+HK$621/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,590/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$11,735
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,100
−HK$371/mo
Today · 4.125%
HK$12,471
baseline
▲ 0.50% · 4.625%
HK$13,230
+HK$759/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,942/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$13,055
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,405
−HK$355/mo
Today · 4.125%
HK$13,760
baseline
▲ 0.50% · 4.625%
HK$14,486
+HK$726/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,520/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$15,088
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,557
−HK$477/mo
Today · 4.125%
HK$16,034
baseline
▲ 0.50% · 4.625%
HK$17,010
+HK$976/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,068/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$16,785
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,235
−HK$457/mo
Today · 4.125%
HK$17,692
baseline
▲ 0.50% · 4.625%
HK$18,625
+HK$933/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,384/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).