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$8,365
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,625
−HK$265/mo
Today · 4.125%
HK$8,890
baseline
▲ 0.50% · 4.625%
HK$9,431
+HK$541/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,780/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$9,306
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,556
−HK$253/mo
Today · 4.125%
HK$9,809
baseline
▲ 0.50% · 4.625%
HK$10,326
+HK$517/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,618/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$10,038
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,350
−HK$318/mo
Today · 4.125%
HK$10,668
baseline
▲ 0.50% · 4.625%
HK$11,317
+HK$649/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,336/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$11,167
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,467
−HK$304/mo
Today · 4.125%
HK$11,771
baseline
▲ 0.50% · 4.625%
HK$12,391
+HK$620/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,542/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$11,711
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,076
−HK$370/mo
Today · 4.125%
HK$12,446
baseline
▲ 0.50% · 4.625%
HK$13,203
+HK$757/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,892/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$13,029
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,378
−HK$355/mo
Today · 4.125%
HK$13,733
baseline
▲ 0.50% · 4.625%
HK$14,456
+HK$723/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,466/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$15,057
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,526
−HK$476/mo
Today · 4.125%
HK$16,002
baseline
▲ 0.50% · 4.625%
HK$16,975
+HK$973/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$32,004/mo (50% DSR)
Upfront cash ≈ HK$367K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,751
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,200
−HK$456/mo
Today · 4.125%
HK$17,656
baseline
▲ 0.50% · 4.625%
HK$18,587
+HK$931/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,312/mo (50% DSR)
Upfront cash ≈ HK$367K (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).