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$8,392
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,653
−HK$265/mo
Today · 4.125%
HK$8,918
baseline
▲ 0.50% · 4.625%
HK$9,461
+HK$543/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,836/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$9,336
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,586
−HK$254/mo
Today · 4.125%
HK$9,840
baseline
▲ 0.50% · 4.625%
HK$10,359
+HK$519/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,680/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$10,070
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,383
−HK$319/mo
Today · 4.125%
HK$10,702
baseline
▲ 0.50% · 4.625%
HK$11,353
+HK$651/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,404/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$11,203
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,503
−HK$305/mo
Today · 4.125%
HK$11,808
baseline
▲ 0.50% · 4.625%
HK$12,431
+HK$623/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,616/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$11,749
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,114
−HK$371/mo
Today · 4.125%
HK$12,485
baseline
▲ 0.50% · 4.625%
HK$13,245
+HK$760/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$24,970/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$13,070
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,421
−HK$355/mo
Today · 4.125%
HK$13,776
baseline
▲ 0.50% · 4.625%
HK$14,502
+HK$726/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$27,552/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$15,105
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,575
−HK$478/mo
Today · 4.125%
HK$16,053
baseline
▲ 0.50% · 4.625%
HK$17,029
+HK$976/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,106/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$16,805
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,255
−HK$457/mo
Today · 4.125%
HK$17,712
baseline
▲ 0.50% · 4.625%
HK$18,646
+HK$934/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,424/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).