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$523/mo
▼ 0.25% · 3.875%
HK$8,593
−HK$264/mo
Today · 4.125%
HK$8,857
baseline
▲ 0.50% · 4.625%
HK$9,396
+HK$539/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,714/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$9,272
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,520
−HK$253/mo
Today · 4.125%
HK$9,773
baseline
▲ 0.50% · 4.625%
HK$10,288
+HK$515/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,546/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$10,001
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,312
−HK$316/mo
Today · 4.125%
HK$10,628
baseline
▲ 0.50% · 4.625%
HK$11,275
+HK$647/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,256/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$11,126
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,424
−HK$303/mo
Today · 4.125%
HK$11,727
baseline
▲ 0.50% · 4.625%
HK$12,345
+HK$618/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,454/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$11,668
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,031
−HK$368/mo
Today · 4.125%
HK$12,399
baseline
▲ 0.50% · 4.625%
HK$13,154
+HK$755/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$12,980
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,328
−HK$354/mo
Today · 4.125%
HK$13,682
baseline
▲ 0.50% · 4.625%
HK$14,403
+HK$721/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,364/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$15,001
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,468
−HK$474/mo
Today · 4.125%
HK$15,942
baseline
▲ 0.50% · 4.625%
HK$16,912
+HK$970/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$31,884/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$16,689
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,136
−HK$455/mo
Today · 4.125%
HK$17,591
baseline
▲ 0.50% · 4.625%
HK$18,518
+HK$927/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$35,182/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).