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$8,344
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,604
−HK$263/mo
Today · 4.125%
HK$8,867
baseline
▲ 0.50% · 4.625%
HK$9,407
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,734/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$9,283
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,532
−HK$252/mo
Today · 4.125%
HK$9,784
baseline
▲ 0.50% · 4.625%
HK$10,300
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,568/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$10,013
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,325
−HK$316/mo
Today · 4.125%
HK$10,641
baseline
▲ 0.50% · 4.625%
HK$11,288
+HK$647/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$21,282/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$11,139
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,438
−HK$303/mo
Today · 4.125%
HK$11,741
baseline
▲ 0.50% · 4.625%
HK$12,360
+HK$619/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$23,482/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$11,682
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,045
−HK$369/mo
Today · 4.125%
HK$12,414
baseline
▲ 0.50% · 4.625%
HK$13,170
+HK$756/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,828/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$12,996
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,345
−HK$353/mo
Today · 4.125%
HK$13,698
baseline
▲ 0.50% · 4.625%
HK$14,420
+HK$722/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,396/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$15,020
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,487
−HK$474/mo
Today · 4.125%
HK$15,961
baseline
▲ 0.50% · 4.625%
HK$16,933
+HK$972/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$31,922/mo (50% DSR)
Upfront cash ≈ HK$366K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,709
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,157
−HK$455/mo
Today · 4.125%
HK$17,612
baseline
▲ 0.50% · 4.625%
HK$18,540
+HK$928/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$35,224/mo (50% DSR)
Upfront cash ≈ HK$366K (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).