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$8,355
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,615
−HK$264/mo
Today · 4.125%
HK$8,879
baseline
▲ 0.50% · 4.625%
HK$9,419
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,758/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$9,295
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,544
−HK$253/mo
Today · 4.125%
HK$9,797
baseline
▲ 0.50% · 4.625%
HK$10,313
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,594/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$10,026
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,338
−HK$316/mo
Today · 4.125%
HK$10,654
baseline
▲ 0.50% · 4.625%
HK$11,303
+HK$649/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,308/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$11,154
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,453
−HK$303/mo
Today · 4.125%
HK$11,756
baseline
▲ 0.50% · 4.625%
HK$12,376
+HK$620/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,512/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$11,697
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,061
−HK$369/mo
Today · 4.125%
HK$12,430
baseline
▲ 0.50% · 4.625%
HK$13,187
+HK$757/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,860/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$13,012
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,361
−HK$355/mo
Today · 4.125%
HK$13,716
baseline
▲ 0.50% · 4.625%
HK$14,438
+HK$722/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,432/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$15,039
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,506
−HK$476/mo
Today · 4.125%
HK$15,982
baseline
▲ 0.50% · 4.625%
HK$16,954
+HK$972/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$31,964/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$16,730
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,179
−HK$455/mo
Today · 4.125%
HK$17,634
baseline
▲ 0.50% · 4.625%
HK$18,564
+HK$930/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$35,268/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).