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$8,352
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,612
−HK$264/mo
Today · 4.125%
HK$8,876
baseline
▲ 0.50% · 4.625%
HK$9,416
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,752/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$9,292
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,541
−HK$253/mo
Today · 4.125%
HK$9,794
baseline
▲ 0.50% · 4.625%
HK$10,310
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,588/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$10,023
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,335
−HK$317/mo
Today · 4.125%
HK$10,652
baseline
▲ 0.50% · 4.625%
HK$11,300
+HK$648/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,304/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$11,150
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,450
−HK$303/mo
Today · 4.125%
HK$11,753
baseline
▲ 0.50% · 4.625%
HK$12,372
+HK$619/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,506/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$11,693
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,057
−HK$370/mo
Today · 4.125%
HK$12,427
baseline
▲ 0.50% · 4.625%
HK$13,183
+HK$756/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,854/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$13,009
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,358
−HK$354/mo
Today · 4.125%
HK$13,712
baseline
▲ 0.50% · 4.625%
HK$14,434
+HK$722/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,424/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$15,034
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,502
−HK$475/mo
Today · 4.125%
HK$15,977
baseline
▲ 0.50% · 4.625%
HK$16,949
+HK$972/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$31,954/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$16,726
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,174
−HK$455/mo
Today · 4.125%
HK$17,629
baseline
▲ 0.50% · 4.625%
HK$18,559
+HK$930/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$35,258/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).