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$8,344
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,604
−HK$264/mo
Today · 4.125%
HK$8,868
baseline
▲ 0.50% · 4.625%
HK$9,407
+HK$539/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,736/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$9,283
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,532
−HK$253/mo
Today · 4.125%
HK$9,785
baseline
▲ 0.50% · 4.625%
HK$10,300
+HK$515/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,570/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$10,013
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,325
−HK$316/mo
Today · 4.125%
HK$10,641
baseline
▲ 0.50% · 4.625%
HK$11,289
+HK$648/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$21,282/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$11,140
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,438
−HK$303/mo
Today · 4.125%
HK$11,741
baseline
▲ 0.50% · 4.625%
HK$12,360
+HK$619/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$23,482/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$11,682
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,045
−HK$370/mo
Today · 4.125%
HK$12,415
baseline
▲ 0.50% · 4.625%
HK$13,170
+HK$755/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,830/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$12,996
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,345
−HK$353/mo
Today · 4.125%
HK$13,698
baseline
▲ 0.50% · 4.625%
HK$14,420
+HK$722/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,396/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$15,020
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,487
−HK$475/mo
Today · 4.125%
HK$15,962
baseline
▲ 0.50% · 4.625%
HK$16,933
+HK$971/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$31,924/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$16,709
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,158
−HK$454/mo
Today · 4.125%
HK$17,612
baseline
▲ 0.50% · 4.625%
HK$18,541
+HK$929/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$35,224/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).