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$8,342
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,602
−HK$263/mo
Today · 4.125%
HK$8,865
baseline
▲ 0.50% · 4.625%
HK$9,405
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,730/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$9,281
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,529
−HK$253/mo
Today · 4.125%
HK$9,782
baseline
▲ 0.50% · 4.625%
HK$10,298
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,564/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$10,011
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,322
−HK$316/mo
Today · 4.125%
HK$10,638
baseline
▲ 0.50% · 4.625%
HK$11,286
+HK$648/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$21,276/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$11,137
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,435
−HK$303/mo
Today · 4.125%
HK$11,738
baseline
▲ 0.50% · 4.625%
HK$12,357
+HK$619/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$23,476/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$11,679
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,042
−HK$369/mo
Today · 4.125%
HK$12,411
baseline
▲ 0.50% · 4.625%
HK$13,167
+HK$756/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,822/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$12,993
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,341
−HK$354/mo
Today · 4.125%
HK$13,695
baseline
▲ 0.50% · 4.625%
HK$14,417
+HK$722/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,390/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$15,016
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,483
−HK$474/mo
Today · 4.125%
HK$15,957
baseline
▲ 0.50% · 4.625%
HK$16,928
+HK$971/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$31,914/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$16,705
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,153
−HK$454/mo
Today · 4.125%
HK$17,607
baseline
▲ 0.50% · 4.625%
HK$18,536
+HK$929/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$35,214/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).