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$8,384
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,645
−HK$265/mo
Today · 4.125%
HK$8,910
baseline
▲ 0.50% · 4.625%
HK$9,452
+HK$542/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,820/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$9,327
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,578
−HK$253/mo
Today · 4.125%
HK$9,831
baseline
▲ 0.50% · 4.625%
HK$10,350
+HK$519/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,662/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$10,061
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,374
−HK$318/mo
Today · 4.125%
HK$10,692
baseline
▲ 0.50% · 4.625%
HK$11,343
+HK$651/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,384/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$11,193
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,493
−HK$305/mo
Today · 4.125%
HK$11,798
baseline
▲ 0.50% · 4.625%
HK$12,419
+HK$621/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,596/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$11,738
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,103
−HK$371/mo
Today · 4.125%
HK$12,474
baseline
▲ 0.50% · 4.625%
HK$13,233
+HK$759/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,948/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$13,058
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,409
−HK$355/mo
Today · 4.125%
HK$13,764
baseline
▲ 0.50% · 4.625%
HK$14,489
+HK$725/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,528/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$15,092
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,561
−HK$477/mo
Today · 4.125%
HK$16,038
baseline
▲ 0.50% · 4.625%
HK$17,014
+HK$976/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,076/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$16,789
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,240
−HK$456/mo
Today · 4.125%
HK$17,696
baseline
▲ 0.50% · 4.625%
HK$18,629
+HK$933/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,392/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).