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$8,406
−HK$528/mo
▼ 0.25% · 3.875%
HK$8,668
−HK$266/mo
Today · 4.125%
HK$8,934
baseline
▲ 0.50% · 4.625%
HK$9,477
+HK$543/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,868/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$9,352
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,603
−HK$254/mo
Today · 4.125%
HK$9,857
baseline
▲ 0.50% · 4.625%
HK$10,377
+HK$520/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,714/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$10,088
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,402
−HK$318/mo
Today · 4.125%
HK$10,720
baseline
▲ 0.50% · 4.625%
HK$11,373
+HK$653/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,440/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$11,223
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,524
−HK$305/mo
Today · 4.125%
HK$11,829
baseline
▲ 0.50% · 4.625%
HK$12,452
+HK$623/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,658/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$11,769
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,135
−HK$372/mo
Today · 4.125%
HK$12,507
baseline
▲ 0.50% · 4.625%
HK$13,268
+HK$761/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,014/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$13,093
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,444
−HK$356/mo
Today · 4.125%
HK$13,800
baseline
▲ 0.50% · 4.625%
HK$14,528
+HK$728/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,600/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$15,132
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,602
−HK$479/mo
Today · 4.125%
HK$16,081
baseline
▲ 0.50% · 4.625%
HK$17,059
+HK$978/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,162/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$16,834
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,285
−HK$458/mo
Today · 4.125%
HK$17,743
baseline
▲ 0.50% · 4.625%
HK$18,679
+HK$936/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,486/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).