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$8,347
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,607
−HK$264/mo
Today · 4.125%
HK$8,871
baseline
▲ 0.50% · 4.625%
HK$9,411
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,742/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$9,286
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,535
−HK$253/mo
Today · 4.125%
HK$9,788
baseline
▲ 0.50% · 4.625%
HK$10,304
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,576/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$10,017
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,328
−HK$317/mo
Today · 4.125%
HK$10,645
baseline
▲ 0.50% · 4.625%
HK$11,293
+HK$648/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$21,290/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$11,144
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,442
−HK$304/mo
Today · 4.125%
HK$11,746
baseline
▲ 0.50% · 4.625%
HK$12,365
+HK$619/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$23,492/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$11,686
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,050
−HK$369/mo
Today · 4.125%
HK$12,419
baseline
▲ 0.50% · 4.625%
HK$13,175
+HK$756/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,838/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$13,001
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,350
−HK$353/mo
Today · 4.125%
HK$13,703
baseline
▲ 0.50% · 4.625%
HK$14,426
+HK$723/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,406/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$15,025
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,493
−HK$474/mo
Today · 4.125%
HK$15,967
baseline
▲ 0.50% · 4.625%
HK$16,939
+HK$972/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$31,934/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$16,715
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,164
−HK$455/mo
Today · 4.125%
HK$17,619
baseline
▲ 0.50% · 4.625%
HK$18,547
+HK$928/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$35,238/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).