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$8,348
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,608
−HK$264/mo
Today · 4.125%
HK$8,872
baseline
▲ 0.50% · 4.625%
HK$9,412
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,744/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$9,287
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,537
−HK$252/mo
Today · 4.125%
HK$9,789
baseline
▲ 0.50% · 4.625%
HK$10,305
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,578/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$10,018
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,330
−HK$316/mo
Today · 4.125%
HK$10,646
baseline
▲ 0.50% · 4.625%
HK$11,294
+HK$648/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$21,292/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$11,145
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,444
−HK$303/mo
Today · 4.125%
HK$11,747
baseline
▲ 0.50% · 4.625%
HK$12,366
+HK$619/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$23,494/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$11,688
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,051
−HK$370/mo
Today · 4.125%
HK$12,421
baseline
▲ 0.50% · 4.625%
HK$13,176
+HK$755/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,842/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$13,002
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,351
−HK$354/mo
Today · 4.125%
HK$13,705
baseline
▲ 0.50% · 4.625%
HK$14,427
+HK$722/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,410/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$15,027
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,494
−HK$475/mo
Today · 4.125%
HK$15,969
baseline
▲ 0.50% · 4.625%
HK$16,941
+HK$972/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$31,938/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$16,717
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,166
−HK$455/mo
Today · 4.125%
HK$17,621
baseline
▲ 0.50% · 4.625%
HK$18,549
+HK$928/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$35,242/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).