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$8,382
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,643
−HK$264/mo
Today · 4.125%
HK$8,907
baseline
▲ 0.50% · 4.625%
HK$9,449
+HK$542/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,814/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$9,325
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,575
−HK$253/mo
Today · 4.125%
HK$9,828
baseline
▲ 0.50% · 4.625%
HK$10,347
+HK$519/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,656/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$10,058
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,371
−HK$318/mo
Today · 4.125%
HK$10,689
baseline
▲ 0.50% · 4.625%
HK$11,339
+HK$650/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,378/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$11,190
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,490
−HK$304/mo
Today · 4.125%
HK$11,794
baseline
▲ 0.50% · 4.625%
HK$12,416
+HK$622/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,588/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$11,735
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,100
−HK$370/mo
Today · 4.125%
HK$12,470
baseline
▲ 0.50% · 4.625%
HK$13,229
+HK$759/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,940/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$13,055
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,405
−HK$355/mo
Today · 4.125%
HK$13,760
baseline
▲ 0.50% · 4.625%
HK$14,485
+HK$725/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,520/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$15,087
−HK$946/mo
▼ 0.25% · 3.875%
HK$15,557
−HK$476/mo
Today · 4.125%
HK$16,033
baseline
▲ 0.50% · 4.625%
HK$17,009
+HK$976/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,066/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$16,784
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,235
−HK$456/mo
Today · 4.125%
HK$17,691
baseline
▲ 0.50% · 4.625%
HK$18,624
+HK$933/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,382/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).