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$8,397
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,659
−HK$265/mo
Today · 4.125%
HK$8,924
baseline
▲ 0.50% · 4.625%
HK$9,467
+HK$543/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,848/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$9,342
−HK$505/mo
▼ 0.25% · 3.875%
HK$9,593
−HK$254/mo
Today · 4.125%
HK$9,847
baseline
▲ 0.50% · 4.625%
HK$10,366
+HK$519/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,694/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$10,077
−HK$632/mo
▼ 0.25% · 3.875%
HK$10,390
−HK$319/mo
Today · 4.125%
HK$10,709
baseline
▲ 0.50% · 4.625%
HK$11,360
+HK$651/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,418/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$11,210
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,511
−HK$305/mo
Today · 4.125%
HK$11,816
baseline
▲ 0.50% · 4.625%
HK$12,439
+HK$623/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,632/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$11,756
−HK$738/mo
▼ 0.25% · 3.875%
HK$12,122
−HK$372/mo
Today · 4.125%
HK$12,494
baseline
▲ 0.50% · 4.625%
HK$13,254
+HK$760/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$24,988/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$13,079
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,430
−HK$356/mo
Today · 4.125%
HK$13,786
baseline
▲ 0.50% · 4.625%
HK$14,512
+HK$726/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$27,572/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$15,115
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,586
−HK$477/mo
Today · 4.125%
HK$16,063
baseline
▲ 0.50% · 4.625%
HK$17,041
+HK$978/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,126/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$16,816
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,267
−HK$457/mo
Today · 4.125%
HK$17,724
baseline
▲ 0.50% · 4.625%
HK$18,658
+HK$934/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,448/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).