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$8,373
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,634
−HK$264/mo
Today · 4.125%
HK$8,898
baseline
▲ 0.50% · 4.625%
HK$9,440
+HK$542/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,796/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$9,315
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,565
−HK$254/mo
Today · 4.125%
HK$9,819
baseline
▲ 0.50% · 4.625%
HK$10,336
+HK$517/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,638/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$10,048
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,361
−HK$317/mo
Today · 4.125%
HK$10,678
baseline
▲ 0.50% · 4.625%
HK$11,328
+HK$650/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,356/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$11,178
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,478
−HK$304/mo
Today · 4.125%
HK$11,782
baseline
▲ 0.50% · 4.625%
HK$12,403
+HK$621/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,564/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$11,723
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,087
−HK$371/mo
Today · 4.125%
HK$12,458
baseline
▲ 0.50% · 4.625%
HK$13,216
+HK$758/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,916/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$13,041
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,391
−HK$355/mo
Today · 4.125%
HK$13,746
baseline
▲ 0.50% · 4.625%
HK$14,471
+HK$725/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,492/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$15,072
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,541
−HK$476/mo
Today · 4.125%
HK$16,017
baseline
▲ 0.50% · 4.625%
HK$16,992
+HK$975/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$32,034/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$16,768
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,217
−HK$456/mo
Today · 4.125%
HK$17,673
baseline
▲ 0.50% · 4.625%
HK$18,605
+HK$932/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,346/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).