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$8,337
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,596
−HK$263/mo
Today · 4.125%
HK$8,859
baseline
▲ 0.50% · 4.625%
HK$9,398
+HK$539/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,718/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$9,274
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,523
−HK$252/mo
Today · 4.125%
HK$9,775
baseline
▲ 0.50% · 4.625%
HK$10,291
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,550/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$10,004
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,315
−HK$316/mo
Today · 4.125%
HK$10,631
baseline
▲ 0.50% · 4.625%
HK$11,278
+HK$647/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,262/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$11,129
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,428
−HK$302/mo
Today · 4.125%
HK$11,730
baseline
▲ 0.50% · 4.625%
HK$12,349
+HK$619/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,460/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$11,671
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,034
−HK$369/mo
Today · 4.125%
HK$12,403
baseline
▲ 0.50% · 4.625%
HK$13,158
+HK$755/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,806/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$12,984
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,332
−HK$353/mo
Today · 4.125%
HK$13,685
baseline
▲ 0.50% · 4.625%
HK$14,407
+HK$722/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,370/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$15,006
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,472
−HK$475/mo
Today · 4.125%
HK$15,947
baseline
▲ 0.50% · 4.625%
HK$16,917
+HK$970/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$31,894/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$16,694
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,141
−HK$455/mo
Today · 4.125%
HK$17,596
baseline
▲ 0.50% · 4.625%
HK$18,523
+HK$927/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$35,192/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).