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$8,368
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,628
−HK$265/mo
Today · 4.125%
HK$8,893
baseline
▲ 0.50% · 4.625%
HK$9,434
+HK$541/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,786/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$9,309
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,559
−HK$253/mo
Today · 4.125%
HK$9,812
baseline
▲ 0.50% · 4.625%
HK$10,330
+HK$518/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,624/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$10,042
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,354
−HK$317/mo
Today · 4.125%
HK$10,671
baseline
▲ 0.50% · 4.625%
HK$11,321
+HK$650/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,342/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$11,171
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,471
−HK$304/mo
Today · 4.125%
HK$11,775
baseline
▲ 0.50% · 4.625%
HK$12,395
+HK$620/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,550/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$11,715
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,080
−HK$370/mo
Today · 4.125%
HK$12,450
baseline
▲ 0.50% · 4.625%
HK$13,207
+HK$757/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,900/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$13,033
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,383
−HK$354/mo
Today · 4.125%
HK$13,737
baseline
▲ 0.50% · 4.625%
HK$14,461
+HK$724/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,474/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$15,062
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,531
−HK$476/mo
Today · 4.125%
HK$16,007
baseline
▲ 0.50% · 4.625%
HK$16,981
+HK$974/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$32,014/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$16,757
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,206
−HK$456/mo
Today · 4.125%
HK$17,662
baseline
▲ 0.50% · 4.625%
HK$18,593
+HK$931/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,324/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).