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$8,369
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,629
−HK$265/mo
Today · 4.125%
HK$8,894
baseline
▲ 0.50% · 4.625%
HK$9,435
+HK$541/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,788/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$9,310
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,560
−HK$253/mo
Today · 4.125%
HK$9,813
baseline
▲ 0.50% · 4.625%
HK$10,331
+HK$518/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,626/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$10,043
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,355
−HK$317/mo
Today · 4.125%
HK$10,672
baseline
▲ 0.50% · 4.625%
HK$11,322
+HK$650/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,344/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$11,172
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,472
−HK$304/mo
Today · 4.125%
HK$11,776
baseline
▲ 0.50% · 4.625%
HK$12,397
+HK$621/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,552/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$11,716
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,081
−HK$370/mo
Today · 4.125%
HK$12,451
baseline
▲ 0.50% · 4.625%
HK$13,209
+HK$758/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,902/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$13,034
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,384
−HK$355/mo
Today · 4.125%
HK$13,739
baseline
▲ 0.50% · 4.625%
HK$14,463
+HK$724/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,478/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$15,064
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,533
−HK$476/mo
Today · 4.125%
HK$16,009
baseline
▲ 0.50% · 4.625%
HK$16,983
+HK$974/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$32,018/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$16,759
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,208
−HK$456/mo
Today · 4.125%
HK$17,664
baseline
▲ 0.50% · 4.625%
HK$18,595
+HK$931/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,328/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).