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$8,390
−HK$526/mo
▼ 0.25% · 3.875%
HK$8,651
−HK$265/mo
Today · 4.125%
HK$8,916
baseline
▲ 0.50% · 4.625%
HK$9,458
+HK$542/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,832/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$9,333
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,584
−HK$254/mo
Today · 4.125%
HK$9,838
baseline
▲ 0.50% · 4.625%
HK$10,356
+HK$518/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,676/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$10,067
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,381
−HK$318/mo
Today · 4.125%
HK$10,699
baseline
▲ 0.50% · 4.625%
HK$11,350
+HK$651/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,398/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$11,200
−HK$605/mo
▼ 0.25% · 3.875%
HK$11,500
−HK$305/mo
Today · 4.125%
HK$11,805
baseline
▲ 0.50% · 4.625%
HK$12,427
+HK$622/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,610/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$11,745
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,111
−HK$371/mo
Today · 4.125%
HK$12,482
baseline
▲ 0.50% · 4.625%
HK$13,241
+HK$759/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$24,964/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$13,067
−HK$706/mo
▼ 0.25% · 3.875%
HK$13,417
−HK$356/mo
Today · 4.125%
HK$13,773
baseline
▲ 0.50% · 4.625%
HK$14,499
+HK$726/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$27,546/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$15,101
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,571
−HK$477/mo
Today · 4.125%
HK$16,048
baseline
▲ 0.50% · 4.625%
HK$17,025
+HK$977/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,096/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$16,800
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,251
−HK$457/mo
Today · 4.125%
HK$17,708
baseline
▲ 0.50% · 4.625%
HK$18,641
+HK$933/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,416/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).