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$505/mo
▼ 0.25% · 3.875%
HK$9,589
−HK$254/mo
Today · 4.125%
HK$9,843
baseline
▲ 0.50% · 4.625%
HK$10,362
+HK$519/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,686/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$10,073
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,386
−HK$319/mo
Today · 4.125%
HK$10,705
baseline
▲ 0.50% · 4.625%
HK$11,356
+HK$651/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,410/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$11,206
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,507
−HK$304/mo
Today · 4.125%
HK$11,811
baseline
▲ 0.50% · 4.625%
HK$12,434
+HK$623/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$11,752
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,117
−HK$372/mo
Today · 4.125%
HK$12,489
baseline
▲ 0.50% · 4.625%
HK$13,249
+HK$760/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$24,978/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$13,074
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,424
−HK$356/mo
Today · 4.125%
HK$13,780
baseline
▲ 0.50% · 4.625%
HK$14,506
+HK$726/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$27,560/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$15,109
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,579
−HK$478/mo
Today · 4.125%
HK$16,057
baseline
▲ 0.50% · 4.625%
HK$17,034
+HK$977/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,114/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$16,809
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,260
−HK$457/mo
Today · 4.125%
HK$17,717
baseline
▲ 0.50% · 4.625%
HK$18,651
+HK$934/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,434/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).