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$8,396
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,657
−HK$265/mo
Today · 4.125%
HK$8,922
baseline
▲ 0.50% · 4.625%
HK$9,465
+HK$543/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,844/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$9,340
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,591
−HK$254/mo
Today · 4.125%
HK$9,845
baseline
▲ 0.50% · 4.625%
HK$10,364
+HK$519/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,690/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$10,075
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,388
−HK$319/mo
Today · 4.125%
HK$10,707
baseline
▲ 0.50% · 4.625%
HK$11,358
+HK$651/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,414/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$11,208
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,509
−HK$305/mo
Today · 4.125%
HK$11,814
baseline
▲ 0.50% · 4.625%
HK$12,436
+HK$622/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,628/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$11,754
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,120
−HK$371/mo
Today · 4.125%
HK$12,491
baseline
▲ 0.50% · 4.625%
HK$13,251
+HK$760/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$24,982/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$13,076
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,427
−HK$356/mo
Today · 4.125%
HK$13,783
baseline
▲ 0.50% · 4.625%
HK$14,509
+HK$726/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$27,566/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$15,112
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,582
−HK$478/mo
Today · 4.125%
HK$16,060
baseline
▲ 0.50% · 4.625%
HK$17,037
+HK$977/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,120/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$16,812
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,263
−HK$457/mo
Today · 4.125%
HK$17,720
baseline
▲ 0.50% · 4.625%
HK$18,655
+HK$935/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,440/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).