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$8,401
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,662
−HK$265/mo
Today · 4.125%
HK$8,927
baseline
▲ 0.50% · 4.625%
HK$9,471
+HK$544/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,854/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$9,346
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,596
−HK$254/mo
Today · 4.125%
HK$9,850
baseline
▲ 0.50% · 4.625%
HK$10,370
+HK$520/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,700/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$10,081
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,394
−HK$319/mo
Today · 4.125%
HK$10,713
baseline
▲ 0.50% · 4.625%
HK$11,365
+HK$652/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,426/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$11,215
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,515
−HK$306/mo
Today · 4.125%
HK$11,821
baseline
▲ 0.50% · 4.625%
HK$12,444
+HK$623/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,642/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$11,761
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,127
−HK$371/mo
Today · 4.125%
HK$12,498
baseline
▲ 0.50% · 4.625%
HK$13,259
+HK$761/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$24,996/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$13,084
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,435
−HK$356/mo
Today · 4.125%
HK$13,791
baseline
▲ 0.50% · 4.625%
HK$14,518
+HK$727/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,582/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$15,121
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,591
−HK$478/mo
Today · 4.125%
HK$16,069
baseline
▲ 0.50% · 4.625%
HK$17,047
+HK$978/mo
Deposit HK$368K · loan HK$3.32M · min. income ≈ HK$32,138/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$16,822
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,273
−HK$458/mo
Today · 4.125%
HK$17,731
baseline
▲ 0.50% · 4.625%
HK$18,665
+HK$934/mo
Deposit HK$368K · loan HK$3.32M · min. income ≈ HK$35,462/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).