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$8,396
−HK$527/mo
▼ 0.25% · 3.875%
HK$8,657
−HK$266/mo
Today · 4.125%
HK$8,923
baseline
▲ 0.50% · 4.625%
HK$9,466
+HK$543/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,846/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$9,341
−HK$504/mo
▼ 0.25% · 3.875%
HK$9,591
−HK$254/mo
Today · 4.125%
HK$9,845
baseline
▲ 0.50% · 4.625%
HK$10,364
+HK$519/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,690/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$10,076
−HK$631/mo
▼ 0.25% · 3.875%
HK$10,389
−HK$318/mo
Today · 4.125%
HK$10,707
baseline
▲ 0.50% · 4.625%
HK$11,359
+HK$652/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$21,414/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$11,209
−HK$606/mo
▼ 0.25% · 3.875%
HK$11,510
−HK$305/mo
Today · 4.125%
HK$11,815
baseline
▲ 0.50% · 4.625%
HK$12,437
+HK$622/mo
Deposit HK$1.47M · loan HK$2.21M · min. income ≈ HK$23,630/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$11,755
−HK$737/mo
▼ 0.25% · 3.875%
HK$12,120
−HK$372/mo
Today · 4.125%
HK$12,492
baseline
▲ 0.50% · 4.625%
HK$13,252
+HK$760/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$24,984/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$13,077
−HK$707/mo
▼ 0.25% · 3.875%
HK$13,428
−HK$356/mo
Today · 4.125%
HK$13,784
baseline
▲ 0.50% · 4.625%
HK$14,510
+HK$726/mo
Deposit HK$1.10M · loan HK$2.58M · min. income ≈ HK$27,568/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$15,113
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,583
−HK$478/mo
Today · 4.125%
HK$16,061
baseline
▲ 0.50% · 4.625%
HK$17,038
+HK$977/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$32,122/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$16,813
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,264
−HK$458/mo
Today · 4.125%
HK$17,722
baseline
▲ 0.50% · 4.625%
HK$18,656
+HK$934/mo
Deposit HK$368K · loan HK$3.31M · min. income ≈ HK$35,444/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).