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$8,410
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,671
−HK$266/mo
Today · 4.125%
HK$8,937
baseline
▲ 0.50% · 4.625%
HK$9,481
+HK$544/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,874/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$9,356
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,606
−HK$255/mo
Today · 4.125%
HK$9,861
baseline
▲ 0.50% · 4.625%
HK$10,381
+HK$520/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,722/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$10,092
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,405
−HK$319/mo
Today · 4.125%
HK$10,724
baseline
▲ 0.50% · 4.625%
HK$11,377
+HK$653/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$21,448/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,227
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,528
−HK$305/mo
Today · 4.125%
HK$11,833
baseline
▲ 0.50% · 4.625%
HK$12,457
+HK$624/mo
Deposit HK$1.48M · loan HK$2.21M · min. income ≈ HK$23,666/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,773
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,140
−HK$372/mo
Today · 4.125%
HK$12,512
baseline
▲ 0.50% · 4.625%
HK$13,273
+HK$761/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$25,024/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$13,098
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,449
−HK$356/mo
Today · 4.125%
HK$13,805
baseline
▲ 0.50% · 4.625%
HK$14,533
+HK$728/mo
Deposit HK$1.11M · loan HK$2.58M · min. income ≈ HK$27,610/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$15,137
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,608
−HK$478/mo
Today · 4.125%
HK$16,086
baseline
▲ 0.50% · 4.625%
HK$17,065
+HK$979/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$32,172/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$16,840
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,292
−HK$458/mo
Today · 4.125%
HK$17,750
baseline
▲ 0.50% · 4.625%
HK$18,685
+HK$935/mo
Deposit HK$369K · loan HK$3.32M · min. income ≈ HK$35,500/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).