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$8,377
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,638
−HK$265/mo
Today · 4.125%
HK$8,903
baseline
▲ 0.50% · 4.625%
HK$9,444
+HK$541/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,806/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$9,320
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,570
−HK$253/mo
Today · 4.125%
HK$9,823
baseline
▲ 0.50% · 4.625%
HK$10,341
+HK$518/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,646/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$10,053
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,365
−HK$318/mo
Today · 4.125%
HK$10,683
baseline
▲ 0.50% · 4.625%
HK$11,333
+HK$650/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,366/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$11,184
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,483
−HK$305/mo
Today · 4.125%
HK$11,788
baseline
▲ 0.50% · 4.625%
HK$12,409
+HK$621/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,576/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$11,728
−HK$736/mo
▼ 0.25% · 3.875%
HK$12,093
−HK$371/mo
Today · 4.125%
HK$12,464
baseline
▲ 0.50% · 4.625%
HK$13,222
+HK$758/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,928/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$13,047
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,397
−HK$355/mo
Today · 4.125%
HK$13,752
baseline
▲ 0.50% · 4.625%
HK$14,477
+HK$725/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,504/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$15,079
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,548
−HK$477/mo
Today · 4.125%
HK$16,025
baseline
▲ 0.50% · 4.625%
HK$17,000
+HK$975/mo
Deposit HK$367K · loan HK$3.31M · min. income ≈ HK$32,050/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$16,775
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,225
−HK$457/mo
Today · 4.125%
HK$17,682
baseline
▲ 0.50% · 4.625%
HK$18,614
+HK$932/mo
Deposit HK$367K · loan HK$3.31M · min. income ≈ HK$35,364/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).