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$8,369
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,630
−HK$264/mo
Today · 4.125%
HK$8,894
baseline
▲ 0.50% · 4.625%
HK$9,435
+HK$541/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,788/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$9,311
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,560
−HK$254/mo
Today · 4.125%
HK$9,814
baseline
▲ 0.50% · 4.625%
HK$10,331
+HK$517/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,628/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$10,043
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,356
−HK$317/mo
Today · 4.125%
HK$10,673
baseline
▲ 0.50% · 4.625%
HK$11,322
+HK$649/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,346/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$11,173
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,473
−HK$304/mo
Today · 4.125%
HK$11,777
baseline
▲ 0.50% · 4.625%
HK$12,397
+HK$620/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,554/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$11,717
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,081
−HK$371/mo
Today · 4.125%
HK$12,452
baseline
▲ 0.50% · 4.625%
HK$13,209
+HK$757/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,904/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$13,035
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,385
−HK$354/mo
Today · 4.125%
HK$13,739
baseline
▲ 0.50% · 4.625%
HK$14,464
+HK$725/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,478/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$15,065
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,533
−HK$476/mo
Today · 4.125%
HK$16,009
baseline
▲ 0.50% · 4.625%
HK$16,984
+HK$975/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$32,018/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$16,759
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,209
−HK$456/mo
Today · 4.125%
HK$17,665
baseline
▲ 0.50% · 4.625%
HK$18,596
+HK$931/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,330/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).