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$8,374
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,635
−HK$264/mo
Today · 4.125%
HK$8,899
baseline
▲ 0.50% · 4.625%
HK$9,441
+HK$542/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,798/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$9,316
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,566
−HK$253/mo
Today · 4.125%
HK$9,819
baseline
▲ 0.50% · 4.625%
HK$10,337
+HK$518/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,638/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$10,049
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,362
−HK$317/mo
Today · 4.125%
HK$10,679
baseline
▲ 0.50% · 4.625%
HK$11,329
+HK$650/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,358/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$11,179
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,479
−HK$304/mo
Today · 4.125%
HK$11,783
baseline
▲ 0.50% · 4.625%
HK$12,404
+HK$621/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,566/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$11,724
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,088
−HK$371/mo
Today · 4.125%
HK$12,459
baseline
▲ 0.50% · 4.625%
HK$13,217
+HK$758/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,918/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$13,043
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,392
−HK$355/mo
Today · 4.125%
HK$13,747
baseline
▲ 0.50% · 4.625%
HK$14,472
+HK$725/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,494/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$15,073
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,542
−HK$477/mo
Today · 4.125%
HK$16,019
baseline
▲ 0.50% · 4.625%
HK$16,993
+HK$974/mo
Deposit HK$367K · loan HK$3.31M · min. income ≈ HK$32,038/mo (50% DSR)
Upfront cash ≈ HK$367K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,769
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,219
−HK$456/mo
Today · 4.125%
HK$17,675
baseline
▲ 0.50% · 4.625%
HK$18,607
+HK$932/mo
Deposit HK$367K · loan HK$3.31M · min. income ≈ HK$35,350/mo (50% DSR)
Upfront cash ≈ HK$367K (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).