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$8,377
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,637
−HK$265/mo
Today · 4.125%
HK$8,902
baseline
▲ 0.50% · 4.625%
HK$9,443
+HK$541/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,804/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$9,319
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,569
−HK$253/mo
Today · 4.125%
HK$9,822
baseline
▲ 0.50% · 4.625%
HK$10,340
+HK$518/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,644/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$10,052
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,365
−HK$317/mo
Today · 4.125%
HK$10,682
baseline
▲ 0.50% · 4.625%
HK$11,332
+HK$650/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,364/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$11,183
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,483
−HK$304/mo
Today · 4.125%
HK$11,787
baseline
▲ 0.50% · 4.625%
HK$12,408
+HK$621/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,574/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$11,727
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,092
−HK$371/mo
Today · 4.125%
HK$12,463
baseline
▲ 0.50% · 4.625%
HK$13,221
+HK$758/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,926/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$13,046
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,396
−HK$355/mo
Today · 4.125%
HK$13,751
baseline
▲ 0.50% · 4.625%
HK$14,476
+HK$725/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,502/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$15,078
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,547
−HK$476/mo
Today · 4.125%
HK$16,023
baseline
▲ 0.50% · 4.625%
HK$16,998
+HK$975/mo
Deposit HK$367K · loan HK$3.31M · min. income ≈ HK$32,046/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$16,774
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,224
−HK$456/mo
Today · 4.125%
HK$17,680
baseline
▲ 0.50% · 4.625%
HK$18,612
+HK$932/mo
Deposit HK$367K · loan HK$3.31M · min. income ≈ HK$35,360/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).