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$8,398
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,659
−HK$266/mo
Today · 4.125%
HK$8,925
baseline
▲ 0.50% · 4.625%
HK$9,468
+HK$543/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,850/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$9,343
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,593
−HK$255/mo
Today · 4.125%
HK$9,848
baseline
▲ 0.50% · 4.625%
HK$10,367
+HK$519/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,696/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$10,078
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,391
−HK$319/mo
Today · 4.125%
HK$10,710
baseline
▲ 0.50% · 4.625%
HK$11,361
+HK$651/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,420/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$11,211
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,512
−HK$305/mo
Today · 4.125%
HK$11,817
baseline
▲ 0.50% · 4.625%
HK$12,440
+HK$623/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,634/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$11,757
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,123
−HK$372/mo
Today · 4.125%
HK$12,495
baseline
▲ 0.50% · 4.625%
HK$13,255
+HK$760/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$24,990/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$13,080
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,431
−HK$356/mo
Today · 4.125%
HK$13,787
baseline
▲ 0.50% · 4.625%
HK$14,513
+HK$726/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$27,574/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$15,117
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,587
−HK$477/mo
Today · 4.125%
HK$16,064
baseline
▲ 0.50% · 4.625%
HK$17,042
+HK$978/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,128/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$16,817
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,268
−HK$458/mo
Today · 4.125%
HK$17,726
baseline
▲ 0.50% · 4.625%
HK$18,660
+HK$934/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,452/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).