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$8,366
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,627
−HK$264/mo
Today · 4.125%
HK$8,891
baseline
▲ 0.50% · 4.625%
HK$9,432
+HK$541/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,782/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,307
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,557
−HK$253/mo
Today · 4.125%
HK$9,810
baseline
▲ 0.50% · 4.625%
HK$10,327
+HK$517/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,620/mo (50% DSR)
Upfront cash ≈ HK$1.83M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,040
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,352
−HK$317/mo
Today · 4.125%
HK$10,669
baseline
▲ 0.50% · 4.625%
HK$11,318
+HK$649/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,338/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$11,169
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,469
−HK$303/mo
Today · 4.125%
HK$11,772
baseline
▲ 0.50% · 4.625%
HK$12,393
+HK$621/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,544/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$11,713
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,077
−HK$370/mo
Today · 4.125%
HK$12,447
baseline
▲ 0.50% · 4.625%
HK$13,205
+HK$758/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,894/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$13,030
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,380
−HK$354/mo
Today · 4.125%
HK$13,734
baseline
▲ 0.50% · 4.625%
HK$14,458
+HK$724/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,468/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$15,059
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,528
−HK$476/mo
Today · 4.125%
HK$16,004
baseline
▲ 0.50% · 4.625%
HK$16,978
+HK$974/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$32,008/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$16,753
−HK$906/mo
▼ 0.25% · 3.875%
HK$17,203
−HK$456/mo
Today · 4.125%
HK$17,659
baseline
▲ 0.50% · 4.625%
HK$18,589
+HK$930/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,318/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).