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$8,336
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,595
−HK$264/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$9,522
−HK$253/mo
Today · 4.125%
HK$9,775
baseline
▲ 0.50% · 4.625%
HK$10,290
+HK$515/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$10,003
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,314
−HK$316/mo
Today · 4.125%
HK$10,630
baseline
▲ 0.50% · 4.625%
HK$11,277
+HK$647/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,260/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$11,128
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,427
−HK$303/mo
Today · 4.125%
HK$11,730
baseline
▲ 0.50% · 4.625%
HK$12,348
+HK$618/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$11,670
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,033
−HK$369/mo
Today · 4.125%
HK$12,402
baseline
▲ 0.50% · 4.625%
HK$13,157
+HK$755/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,804/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$12,983
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,331
−HK$353/mo
Today · 4.125%
HK$13,684
baseline
▲ 0.50% · 4.625%
HK$14,406
+HK$722/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,368/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$15,005
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,471
−HK$474/mo
Today · 4.125%
HK$15,945
baseline
▲ 0.50% · 4.625%
HK$16,916
+HK$971/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$31,890/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$16,692
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,140
−HK$454/mo
Today · 4.125%
HK$17,594
baseline
▲ 0.50% · 4.625%
HK$18,522
+HK$928/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$35,188/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).