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$8,331
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,590
−HK$264/mo
Today · 4.125%
HK$8,854
baseline
▲ 0.50% · 4.625%
HK$9,392
+HK$538/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,708/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$9,268
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,517
−HK$252/mo
Today · 4.125%
HK$9,769
baseline
▲ 0.50% · 4.625%
HK$10,284
+HK$515/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,538/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$9,997
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,308
−HK$316/mo
Today · 4.125%
HK$10,624
baseline
▲ 0.50% · 4.625%
HK$11,271
+HK$647/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,248/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$11,122
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,420
−HK$303/mo
Today · 4.125%
HK$11,723
baseline
▲ 0.50% · 4.625%
HK$12,341
+HK$618/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,446/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$11,664
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,027
−HK$368/mo
Today · 4.125%
HK$12,395
baseline
▲ 0.50% · 4.625%
HK$13,149
+HK$754/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,790/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$12,976
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,324
−HK$353/mo
Today · 4.125%
HK$13,677
baseline
▲ 0.50% · 4.625%
HK$14,398
+HK$721/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,354/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$14,996
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,463
−HK$474/mo
Today · 4.125%
HK$15,937
baseline
▲ 0.50% · 4.625%
HK$16,906
+HK$969/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$31,874/mo (50% DSR)
Upfront cash ≈ HK$365K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,683
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,131
−HK$453/mo
Today · 4.125%
HK$17,584
baseline
▲ 0.50% · 4.625%
HK$18,511
+HK$927/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$35,168/mo (50% DSR)
Upfront cash ≈ HK$365K (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).