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$8,378
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,638
−HK$265/mo
Today · 4.125%
HK$8,903
baseline
▲ 0.50% · 4.625%
HK$9,445
+HK$542/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,806/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$9,320
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,570
−HK$254/mo
Today · 4.125%
HK$9,824
baseline
▲ 0.50% · 4.625%
HK$10,342
+HK$518/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,648/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$10,053
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,366
−HK$318/mo
Today · 4.125%
HK$10,684
baseline
▲ 0.50% · 4.625%
HK$11,334
+HK$650/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,368/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$11,184
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,484
−HK$305/mo
Today · 4.125%
HK$11,789
baseline
▲ 0.50% · 4.625%
HK$12,410
+HK$621/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,578/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$11,729
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,094
−HK$370/mo
Today · 4.125%
HK$12,464
baseline
▲ 0.50% · 4.625%
HK$13,223
+HK$759/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,928/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$13,048
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,398
−HK$355/mo
Today · 4.125%
HK$13,753
baseline
▲ 0.50% · 4.625%
HK$14,478
+HK$725/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,506/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$15,080
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,549
−HK$477/mo
Today · 4.125%
HK$16,026
baseline
▲ 0.50% · 4.625%
HK$17,001
+HK$975/mo
Deposit HK$367K · loan HK$3.31M · min. income ≈ HK$32,052/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$16,776
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,226
−HK$457/mo
Today · 4.125%
HK$17,683
baseline
▲ 0.50% · 4.625%
HK$18,615
+HK$932/mo
Deposit HK$367K · loan HK$3.31M · min. income ≈ HK$35,366/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).