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$8,397
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,658
−HK$265/mo
Today · 4.125%
HK$8,923
baseline
▲ 0.50% · 4.625%
HK$9,466
+HK$543/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,846/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$9,341
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,592
−HK$254/mo
Today · 4.125%
HK$9,846
baseline
▲ 0.50% · 4.625%
HK$10,365
+HK$519/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,692/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$10,076
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,389
−HK$319/mo
Today · 4.125%
HK$10,708
baseline
▲ 0.50% · 4.625%
HK$11,359
+HK$651/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,416/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$11,209
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,510
−HK$305/mo
Today · 4.125%
HK$11,815
baseline
▲ 0.50% · 4.625%
HK$12,438
+HK$623/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,630/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$11,755
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,121
−HK$371/mo
Today · 4.125%
HK$12,492
baseline
▲ 0.50% · 4.625%
HK$13,253
+HK$761/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$24,984/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$13,078
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,428
−HK$356/mo
Today · 4.125%
HK$13,784
baseline
▲ 0.50% · 4.625%
HK$14,511
+HK$727/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$27,568/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$15,114
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,584
−HK$478/mo
Today · 4.125%
HK$16,062
baseline
▲ 0.50% · 4.625%
HK$17,039
+HK$977/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,124/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$16,814
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,265
−HK$457/mo
Today · 4.125%
HK$17,722
baseline
▲ 0.50% · 4.625%
HK$18,657
+HK$935/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,444/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).