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$8,380
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,640
−HK$265/mo
Today · 4.125%
HK$8,905
baseline
▲ 0.50% · 4.625%
HK$9,447
+HK$542/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,810/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$9,322
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,572
−HK$254/mo
Today · 4.125%
HK$9,826
baseline
▲ 0.50% · 4.625%
HK$10,344
+HK$518/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,652/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$10,056
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,369
−HK$317/mo
Today · 4.125%
HK$10,686
baseline
▲ 0.50% · 4.625%
HK$11,337
+HK$651/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,372/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$11,187
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,487
−HK$304/mo
Today · 4.125%
HK$11,791
baseline
▲ 0.50% · 4.625%
HK$12,413
+HK$622/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,582/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$11,732
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,097
−HK$370/mo
Today · 4.125%
HK$12,467
baseline
▲ 0.50% · 4.625%
HK$13,226
+HK$759/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,934/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$13,051
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,401
−HK$356/mo
Today · 4.125%
HK$13,757
baseline
▲ 0.50% · 4.625%
HK$14,482
+HK$725/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,514/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$15,084
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,553
−HK$476/mo
Today · 4.125%
HK$16,029
baseline
▲ 0.50% · 4.625%
HK$17,005
+HK$976/mo
Deposit HK$367K · loan HK$3.31M · min. income ≈ HK$32,058/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$16,780
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,230
−HK$457/mo
Today · 4.125%
HK$17,687
baseline
▲ 0.50% · 4.625%
HK$18,619
+HK$932/mo
Deposit HK$367K · loan HK$3.31M · min. income ≈ HK$35,374/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).