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$8,403
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,665
−HK$265/mo
Today · 4.125%
HK$8,930
baseline
▲ 0.50% · 4.625%
HK$9,473
+HK$543/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,860/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$9,599
−HK$254/mo
Today · 4.125%
HK$9,853
baseline
▲ 0.50% · 4.625%
HK$10,373
+HK$520/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$10,084
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,397
−HK$319/mo
Today · 4.125%
HK$10,716
baseline
▲ 0.50% · 4.625%
HK$11,368
+HK$652/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,432/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$11,218
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,519
−HK$305/mo
Today · 4.125%
HK$11,824
baseline
▲ 0.50% · 4.625%
HK$12,447
+HK$623/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,648/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$11,764
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,130
−HK$372/mo
Today · 4.125%
HK$12,502
baseline
▲ 0.50% · 4.625%
HK$13,263
+HK$761/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,004/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$13,088
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,439
−HK$356/mo
Today · 4.125%
HK$13,795
baseline
▲ 0.50% · 4.625%
HK$14,522
+HK$727/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,590/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$15,126
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,596
−HK$478/mo
Today · 4.125%
HK$16,074
baseline
▲ 0.50% · 4.625%
HK$17,052
+HK$978/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,148/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$16,827
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,278
−HK$458/mo
Today · 4.125%
HK$17,736
baseline
▲ 0.50% · 4.625%
HK$18,671
+HK$935/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,472/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).