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$8,325
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,583
−HK$264/mo
Today · 4.125%
HK$8,847
baseline
▲ 0.50% · 4.625%
HK$9,385
+HK$538/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,694/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$9,261
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,509
−HK$252/mo
Today · 4.125%
HK$9,761
baseline
▲ 0.50% · 4.625%
HK$10,276
+HK$515/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,522/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$9,989
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,300
−HK$316/mo
Today · 4.125%
HK$10,616
baseline
▲ 0.50% · 4.625%
HK$11,262
+HK$646/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,232/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,113
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,411
−HK$303/mo
Today · 4.125%
HK$11,714
baseline
▲ 0.50% · 4.625%
HK$12,331
+HK$617/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,428/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,654
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,017
−HK$368/mo
Today · 4.125%
HK$12,385
baseline
▲ 0.50% · 4.625%
HK$13,139
+HK$754/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,770/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$12,965
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,313
−HK$353/mo
Today · 4.125%
HK$13,666
baseline
▲ 0.50% · 4.625%
HK$14,386
+HK$720/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,332/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$14,984
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,450
−HK$474/mo
Today · 4.125%
HK$15,924
baseline
▲ 0.50% · 4.625%
HK$16,893
+HK$969/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$31,848/mo (50% DSR)
Upfront cash ≈ HK$365K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,670
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,117
−HK$453/mo
Today · 4.125%
HK$17,570
baseline
▲ 0.50% · 4.625%
HK$18,497
+HK$927/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$35,140/mo (50% DSR)
Upfront cash ≈ HK$365K (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).