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$8,371
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,631
−HK$265/mo
Today · 4.125%
HK$8,896
baseline
▲ 0.50% · 4.625%
HK$9,437
+HK$541/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,792/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$9,312
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,562
−HK$254/mo
Today · 4.125%
HK$9,816
baseline
▲ 0.50% · 4.625%
HK$10,333
+HK$517/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,632/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$10,045
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,357
−HK$318/mo
Today · 4.125%
HK$10,675
baseline
▲ 0.50% · 4.625%
HK$11,324
+HK$649/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,350/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$11,175
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,475
−HK$304/mo
Today · 4.125%
HK$11,779
baseline
▲ 0.50% · 4.625%
HK$12,400
+HK$621/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,558/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$11,719
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,084
−HK$370/mo
Today · 4.125%
HK$12,454
baseline
▲ 0.50% · 4.625%
HK$13,212
+HK$758/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,908/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$13,037
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,387
−HK$355/mo
Today · 4.125%
HK$13,742
baseline
▲ 0.50% · 4.625%
HK$14,466
+HK$724/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,484/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$15,068
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,536
−HK$476/mo
Today · 4.125%
HK$16,012
baseline
▲ 0.50% · 4.625%
HK$16,987
+HK$975/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$32,024/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$16,762
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,212
−HK$456/mo
Today · 4.125%
HK$17,668
baseline
▲ 0.50% · 4.625%
HK$18,599
+HK$931/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,336/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).