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$526/mo
▼ 0.25% · 3.875%
HK$8,639
−HK$265/mo
Today · 4.125%
HK$8,904
baseline
▲ 0.50% · 4.625%
HK$9,446
+HK$542/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,808/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$9,321
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,571
−HK$253/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$10,054
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,367
−HK$318/mo
Today · 4.125%
HK$10,685
baseline
▲ 0.50% · 4.625%
HK$11,335
+HK$650/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,370/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$11,185
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,485
−HK$304/mo
Today · 4.125%
HK$11,789
baseline
▲ 0.50% · 4.625%
HK$12,411
+HK$622/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$11,730
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,095
−HK$370/mo
Today · 4.125%
HK$12,465
baseline
▲ 0.50% · 4.625%
HK$13,224
+HK$759/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,930/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$13,049
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,399
−HK$355/mo
Today · 4.125%
HK$13,754
baseline
▲ 0.50% · 4.625%
HK$14,479
+HK$725/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,508/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$15,081
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,550
−HK$477/mo
Today · 4.125%
HK$16,027
baseline
▲ 0.50% · 4.625%
HK$17,002
+HK$975/mo
Deposit HK$367K · loan HK$3.31M · min. income ≈ HK$32,054/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$16,778
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,228
−HK$456/mo
Today · 4.125%
HK$17,684
baseline
▲ 0.50% · 4.625%
HK$18,616
+HK$932/mo
Deposit HK$367K · loan HK$3.31M · min. income ≈ HK$35,368/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).