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$8,365
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,625
−HK$264/mo
Today · 4.125%
HK$8,889
baseline
▲ 0.50% · 4.625%
HK$9,430
+HK$541/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,778/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$9,306
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,555
−HK$254/mo
Today · 4.125%
HK$9,809
baseline
▲ 0.50% · 4.625%
HK$10,326
+HK$517/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,618/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$10,038
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,350
−HK$317/mo
Today · 4.125%
HK$10,667
baseline
▲ 0.50% · 4.625%
HK$11,316
+HK$649/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,334/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$11,167
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,466
−HK$304/mo
Today · 4.125%
HK$11,770
baseline
▲ 0.50% · 4.625%
HK$12,391
+HK$621/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,540/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$11,711
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,075
−HK$370/mo
Today · 4.125%
HK$12,445
baseline
▲ 0.50% · 4.625%
HK$13,202
+HK$757/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,890/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$13,028
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,377
−HK$355/mo
Today · 4.125%
HK$13,732
baseline
▲ 0.50% · 4.625%
HK$14,456
+HK$724/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,464/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$15,057
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,525
−HK$476/mo
Today · 4.125%
HK$16,001
baseline
▲ 0.50% · 4.625%
HK$16,974
+HK$973/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$32,002/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$16,750
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,200
−HK$455/mo
Today · 4.125%
HK$17,655
baseline
▲ 0.50% · 4.625%
HK$18,586
+HK$931/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,310/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).