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$8,584
−HK$263/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$501/mo
▼ 0.25% · 3.875%
HK$9,510
−HK$252/mo
Today · 4.125%
HK$9,762
baseline
▲ 0.50% · 4.625%
HK$10,276
+HK$514/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,524/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$9,990
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,301
−HK$315/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$11,114
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,412
−HK$302/mo
Today · 4.125%
HK$11,714
baseline
▲ 0.50% · 4.625%
HK$12,332
+HK$618/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$11,655
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,018
−HK$368/mo
Today · 4.125%
HK$12,386
baseline
▲ 0.50% · 4.625%
HK$13,139
+HK$753/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,772/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$12,966
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,314
−HK$353/mo
Today · 4.125%
HK$13,667
baseline
▲ 0.50% · 4.625%
HK$14,387
+HK$720/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,334/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$14,985
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,451
−HK$474/mo
Today · 4.125%
HK$15,925
baseline
▲ 0.50% · 4.625%
HK$16,894
+HK$969/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$31,850/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$16,671
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,118
−HK$453/mo
Today · 4.125%
HK$17,571
baseline
▲ 0.50% · 4.625%
HK$18,497
+HK$926/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$35,142/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).