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$8,350
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,610
−HK$264/mo
Today · 4.125%
HK$8,874
baseline
▲ 0.50% · 4.625%
HK$9,414
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,748/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$9,290
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,539
−HK$253/mo
Today · 4.125%
HK$9,792
baseline
▲ 0.50% · 4.625%
HK$10,308
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,584/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$10,021
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,332
−HK$317/mo
Today · 4.125%
HK$10,649
baseline
▲ 0.50% · 4.625%
HK$11,297
+HK$648/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$21,298/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$11,148
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,447
−HK$303/mo
Today · 4.125%
HK$11,750
baseline
▲ 0.50% · 4.625%
HK$12,369
+HK$619/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$23,500/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$11,691
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,054
−HK$370/mo
Today · 4.125%
HK$12,424
baseline
▲ 0.50% · 4.625%
HK$13,180
+HK$756/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,848/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$13,006
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,354
−HK$354/mo
Today · 4.125%
HK$13,708
baseline
▲ 0.50% · 4.625%
HK$14,431
+HK$723/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,416/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$15,031
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,498
−HK$475/mo
Today · 4.125%
HK$15,973
baseline
▲ 0.50% · 4.625%
HK$16,945
+HK$972/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$31,946/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$16,722
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,170
−HK$455/mo
Today · 4.125%
HK$17,625
baseline
▲ 0.50% · 4.625%
HK$18,554
+HK$929/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$35,250/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).