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$8,366
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,626
−HK$264/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$9,307
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,556
−HK$253/mo
Today · 4.125%
HK$9,809
baseline
▲ 0.50% · 4.625%
HK$10,327
+HK$518/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$10,039
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,351
−HK$317/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$11,168
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,468
−HK$303/mo
Today · 4.125%
HK$11,771
baseline
▲ 0.50% · 4.625%
HK$12,392
+HK$621/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$11,712
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,076
−HK$370/mo
Today · 4.125%
HK$12,446
baseline
▲ 0.50% · 4.625%
HK$13,204
+HK$758/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$13,379
−HK$354/mo
Today · 4.125%
HK$13,733
baseline
▲ 0.50% · 4.625%
HK$14,457
+HK$724/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$15,058
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,527
−HK$475/mo
Today · 4.125%
HK$16,002
baseline
▲ 0.50% · 4.625%
HK$16,976
+HK$974/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$16,752
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,201
−HK$456/mo
Today · 4.125%
HK$17,657
baseline
▲ 0.50% · 4.625%
HK$18,588
+HK$931/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,314/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).