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$8,361
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,622
−HK$264/mo
Today · 4.125%
HK$8,886
baseline
▲ 0.50% · 4.625%
HK$9,426
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,772/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$9,302
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,551
−HK$254/mo
Today · 4.125%
HK$9,805
baseline
▲ 0.50% · 4.625%
HK$10,321
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,610/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$10,034
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,346
−HK$317/mo
Today · 4.125%
HK$10,663
baseline
▲ 0.50% · 4.625%
HK$11,312
+HK$649/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,326/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$11,162
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,462
−HK$303/mo
Today · 4.125%
HK$11,765
baseline
▲ 0.50% · 4.625%
HK$12,386
+HK$621/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,530/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$11,706
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,070
−HK$370/mo
Today · 4.125%
HK$12,440
baseline
▲ 0.50% · 4.625%
HK$13,197
+HK$757/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,880/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$13,023
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,372
−HK$354/mo
Today · 4.125%
HK$13,726
baseline
▲ 0.50% · 4.625%
HK$14,450
+HK$724/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,452/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$15,051
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,519
−HK$475/mo
Today · 4.125%
HK$15,994
baseline
▲ 0.50% · 4.625%
HK$16,968
+HK$974/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$31,988/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$16,744
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,193
−HK$455/mo
Today · 4.125%
HK$17,648
baseline
▲ 0.50% · 4.625%
HK$18,578
+HK$930/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,296/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).