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$8,334
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,593
−HK$263/mo
Today · 4.125%
HK$8,856
baseline
▲ 0.50% · 4.625%
HK$9,395
+HK$539/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,712/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$9,271
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,520
−HK$252/mo
Today · 4.125%
HK$9,772
baseline
▲ 0.50% · 4.625%
HK$10,287
+HK$515/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,544/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$10,000
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,311
−HK$316/mo
Today · 4.125%
HK$10,627
baseline
▲ 0.50% · 4.625%
HK$11,274
+HK$647/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,254/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$11,125
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,424
−HK$302/mo
Today · 4.125%
HK$11,726
baseline
▲ 0.50% · 4.625%
HK$12,344
+HK$618/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,452/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$11,667
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,030
−HK$369/mo
Today · 4.125%
HK$12,399
baseline
▲ 0.50% · 4.625%
HK$13,153
+HK$754/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,798/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$12,979
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,327
−HK$354/mo
Today · 4.125%
HK$13,681
baseline
▲ 0.50% · 4.625%
HK$14,402
+HK$721/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,362/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$15,000
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,467
−HK$474/mo
Today · 4.125%
HK$15,941
baseline
▲ 0.50% · 4.625%
HK$16,911
+HK$970/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$31,882/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$16,688
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,135
−HK$454/mo
Today · 4.125%
HK$17,589
baseline
▲ 0.50% · 4.625%
HK$18,517
+HK$928/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$35,178/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).