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$8,362
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,622
−HK$264/mo
Today · 4.125%
HK$8,886
baseline
▲ 0.50% · 4.625%
HK$9,427
+HK$541/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$9,552
−HK$253/mo
Today · 4.125%
HK$9,805
baseline
▲ 0.50% · 4.625%
HK$10,322
+HK$517/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$11,163
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,462
−HK$304/mo
Today · 4.125%
HK$11,766
baseline
▲ 0.50% · 4.625%
HK$12,386
+HK$620/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,532/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$11,707
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,071
−HK$370/mo
Today · 4.125%
HK$12,441
baseline
▲ 0.50% · 4.625%
HK$13,198
+HK$757/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,882/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$704/mo
▼ 0.25% · 3.875%
HK$13,373
−HK$354/mo
Today · 4.125%
HK$13,727
baseline
▲ 0.50% · 4.625%
HK$14,451
+HK$724/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,454/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$944/mo
▼ 0.25% · 3.875%
HK$15,520
−HK$475/mo
Today · 4.125%
HK$15,995
baseline
▲ 0.50% · 4.625%
HK$16,968
+HK$973/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$31,990/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$905/mo
▼ 0.25% · 3.875%
HK$17,194
−HK$455/mo
Today · 4.125%
HK$17,649
baseline
▲ 0.50% · 4.625%
HK$18,579
+HK$930/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,298/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).