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$8,346
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,606
−HK$263/mo
Today · 4.125%
HK$8,869
baseline
▲ 0.50% · 4.625%
HK$9,409
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,738/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$9,285
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,534
−HK$253/mo
Today · 4.125%
HK$9,787
baseline
▲ 0.50% · 4.625%
HK$10,302
+HK$515/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,574/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$10,015
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,327
−HK$316/mo
Today · 4.125%
HK$10,643
baseline
▲ 0.50% · 4.625%
HK$11,291
+HK$648/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$21,286/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$11,142
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,441
−HK$303/mo
Today · 4.125%
HK$11,744
baseline
▲ 0.50% · 4.625%
HK$12,363
+HK$619/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$23,488/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$11,684
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,048
−HK$369/mo
Today · 4.125%
HK$12,417
baseline
▲ 0.50% · 4.625%
HK$13,173
+HK$756/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,834/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$12,999
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,347
−HK$354/mo
Today · 4.125%
HK$13,701
baseline
▲ 0.50% · 4.625%
HK$14,423
+HK$722/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,402/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$15,023
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,490
−HK$475/mo
Today · 4.125%
HK$15,965
baseline
▲ 0.50% · 4.625%
HK$16,936
+HK$971/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$31,930/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$16,713
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,161
−HK$455/mo
Today · 4.125%
HK$17,616
baseline
▲ 0.50% · 4.625%
HK$18,544
+HK$928/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$35,232/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).