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$8,332
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,592
−HK$263/mo
Today · 4.125%
HK$8,855
baseline
▲ 0.50% · 4.625%
HK$9,394
+HK$539/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,710/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$9,270
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,518
−HK$252/mo
Today · 4.125%
HK$9,770
baseline
▲ 0.50% · 4.625%
HK$10,286
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,540/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$9,999
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,310
−HK$316/mo
Today · 4.125%
HK$10,626
baseline
▲ 0.50% · 4.625%
HK$11,272
+HK$646/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,252/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$11,124
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,422
−HK$303/mo
Today · 4.125%
HK$11,725
baseline
▲ 0.50% · 4.625%
HK$12,343
+HK$618/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,450/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$11,665
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,028
−HK$369/mo
Today · 4.125%
HK$12,397
baseline
▲ 0.50% · 4.625%
HK$13,151
+HK$754/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,794/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$12,978
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,326
−HK$353/mo
Today · 4.125%
HK$13,679
baseline
▲ 0.50% · 4.625%
HK$14,400
+HK$721/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,358/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$14,998
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,465
−HK$474/mo
Today · 4.125%
HK$15,939
baseline
▲ 0.50% · 4.625%
HK$16,909
+HK$970/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$31,878/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$16,685
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,133
−HK$454/mo
Today · 4.125%
HK$17,587
baseline
▲ 0.50% · 4.625%
HK$18,514
+HK$927/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$35,174/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).