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$8,394
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,655
−HK$265/mo
Today · 4.125%
HK$8,920
baseline
▲ 0.50% · 4.625%
HK$9,463
+HK$543/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,840/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$9,338
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,588
−HK$254/mo
Today · 4.125%
HK$9,842
baseline
▲ 0.50% · 4.625%
HK$10,361
+HK$519/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,684/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$10,072
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,386
−HK$318/mo
Today · 4.125%
HK$10,704
baseline
▲ 0.50% · 4.625%
HK$11,355
+HK$651/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,408/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$11,205
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,506
−HK$305/mo
Today · 4.125%
HK$11,811
baseline
▲ 0.50% · 4.625%
HK$12,433
+HK$622/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,622/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$11,751
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,117
−HK$371/mo
Today · 4.125%
HK$12,488
baseline
▲ 0.50% · 4.625%
HK$13,248
+HK$760/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$24,976/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$13,073
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,424
−HK$355/mo
Today · 4.125%
HK$13,779
baseline
▲ 0.50% · 4.625%
HK$14,506
+HK$727/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$27,558/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$15,108
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,578
−HK$478/mo
Today · 4.125%
HK$16,056
baseline
▲ 0.50% · 4.625%
HK$17,033
+HK$977/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,112/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$16,808
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,259
−HK$457/mo
Today · 4.125%
HK$17,716
baseline
▲ 0.50% · 4.625%
HK$18,650
+HK$934/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,432/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).