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$8,349
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,609
−HK$263/mo
Today · 4.125%
HK$8,872
baseline
▲ 0.50% · 4.625%
HK$9,412
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,744/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$9,288
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,537
−HK$253/mo
Today · 4.125%
HK$9,790
baseline
▲ 0.50% · 4.625%
HK$10,306
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,580/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$10,019
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,330
−HK$317/mo
Today · 4.125%
HK$10,647
baseline
▲ 0.50% · 4.625%
HK$11,295
+HK$648/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$21,294/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$11,146
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,445
−HK$303/mo
Today · 4.125%
HK$11,748
baseline
▲ 0.50% · 4.625%
HK$12,367
+HK$619/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$23,496/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$11,688
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,052
−HK$369/mo
Today · 4.125%
HK$12,421
baseline
▲ 0.50% · 4.625%
HK$13,177
+HK$756/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,842/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$13,003
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,352
−HK$354/mo
Today · 4.125%
HK$13,706
baseline
▲ 0.50% · 4.625%
HK$14,428
+HK$722/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,412/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$15,028
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,496
−HK$474/mo
Today · 4.125%
HK$15,970
baseline
▲ 0.50% · 4.625%
HK$16,942
+HK$972/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$31,940/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$16,719
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,167
−HK$455/mo
Today · 4.125%
HK$17,622
baseline
▲ 0.50% · 4.625%
HK$18,551
+HK$929/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$35,244/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).