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$8,373
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,633
−HK$265/mo
Today · 4.125%
HK$8,898
baseline
▲ 0.50% · 4.625%
HK$9,439
+HK$541/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$17,796/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$9,315
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,564
−HK$254/mo
Today · 4.125%
HK$9,818
baseline
▲ 0.50% · 4.625%
HK$10,335
+HK$517/mo
Deposit HK$1.84M · loan HK$1.84M · min. income ≈ HK$19,636/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$10,047
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,360
−HK$317/mo
Today · 4.125%
HK$10,677
baseline
▲ 0.50% · 4.625%
HK$11,327
+HK$650/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,354/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$11,178
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,477
−HK$304/mo
Today · 4.125%
HK$11,781
baseline
▲ 0.50% · 4.625%
HK$12,402
+HK$621/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,562/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$11,722
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,087
−HK$370/mo
Today · 4.125%
HK$12,457
baseline
▲ 0.50% · 4.625%
HK$13,215
+HK$758/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,914/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$13,041
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,390
−HK$355/mo
Today · 4.125%
HK$13,745
baseline
▲ 0.50% · 4.625%
HK$14,470
+HK$725/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,490/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$15,071
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,540
−HK$476/mo
Today · 4.125%
HK$16,016
baseline
▲ 0.50% · 4.625%
HK$16,991
+HK$975/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$32,032/mo (50% DSR)
Upfront cash ≈ HK$367K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,766
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,216
−HK$456/mo
Today · 4.125%
HK$17,672
baseline
▲ 0.50% · 4.625%
HK$18,604
+HK$932/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,344/mo (50% DSR)
Upfront cash ≈ HK$367K (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).