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$8,404
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,665
−HK$266/mo
Today · 4.125%
HK$8,931
baseline
▲ 0.50% · 4.625%
HK$9,474
+HK$543/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,862/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$9,349
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,600
−HK$254/mo
Today · 4.125%
HK$9,854
baseline
▲ 0.50% · 4.625%
HK$10,373
+HK$519/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,708/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$10,084
−HK$633/mo
▼ 0.25% · 3.875%
HK$10,398
−HK$319/mo
Today · 4.125%
HK$10,717
baseline
▲ 0.50% · 4.625%
HK$11,369
+HK$652/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,434/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$11,219
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,520
−HK$305/mo
Today · 4.125%
HK$11,825
baseline
▲ 0.50% · 4.625%
HK$12,448
+HK$623/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,650/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$11,765
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,131
−HK$372/mo
Today · 4.125%
HK$12,503
baseline
▲ 0.50% · 4.625%
HK$13,264
+HK$761/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,006/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,088
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,439
−HK$357/mo
Today · 4.125%
HK$13,796
baseline
▲ 0.50% · 4.625%
HK$14,523
+HK$727/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,592/mo (50% DSR)
Upfront cash ≈ HK$1.11M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,126
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,597
−HK$478/mo
Today · 4.125%
HK$16,075
baseline
▲ 0.50% · 4.625%
HK$17,053
+HK$978/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,150/mo (50% DSR)
Upfront cash ≈ HK$369K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,828
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,279
−HK$458/mo
Today · 4.125%
HK$17,737
baseline
▲ 0.50% · 4.625%
HK$18,672
+HK$935/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,474/mo (50% DSR)
Upfront cash ≈ HK$369K (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).