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$8,370
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,630
−HK$265/mo
Today · 4.125%
HK$8,895
baseline
▲ 0.50% · 4.625%
HK$9,436
+HK$541/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,790/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$9,312
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,561
−HK$254/mo
Today · 4.125%
HK$9,815
baseline
▲ 0.50% · 4.625%
HK$10,332
+HK$517/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,630/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$10,044
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,357
−HK$317/mo
Today · 4.125%
HK$10,674
baseline
▲ 0.50% · 4.625%
HK$11,323
+HK$649/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,348/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$11,174
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,474
−HK$304/mo
Today · 4.125%
HK$11,778
baseline
▲ 0.50% · 4.625%
HK$12,398
+HK$620/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,556/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$11,718
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,083
−HK$370/mo
Today · 4.125%
HK$12,453
baseline
▲ 0.50% · 4.625%
HK$13,211
+HK$758/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,906/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$13,036
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,386
−HK$355/mo
Today · 4.125%
HK$13,741
baseline
▲ 0.50% · 4.625%
HK$14,465
+HK$724/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,482/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$15,066
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,535
−HK$476/mo
Today · 4.125%
HK$16,011
baseline
▲ 0.50% · 4.625%
HK$16,985
+HK$974/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$32,022/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$16,761
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,210
−HK$457/mo
Today · 4.125%
HK$17,667
baseline
▲ 0.50% · 4.625%
HK$18,598
+HK$931/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,334/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).