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$8,345
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,604
−HK$264/mo
Today · 4.125%
HK$8,868
baseline
▲ 0.50% · 4.625%
HK$9,408
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,736/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$9,283
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,532
−HK$253/mo
Today · 4.125%
HK$9,785
baseline
▲ 0.50% · 4.625%
HK$10,301
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,570/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$10,014
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,325
−HK$317/mo
Today · 4.125%
HK$10,642
baseline
▲ 0.50% · 4.625%
HK$11,289
+HK$647/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$21,284/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$11,140
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,439
−HK$303/mo
Today · 4.125%
HK$11,742
baseline
▲ 0.50% · 4.625%
HK$12,361
+HK$619/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$23,484/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$11,683
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,046
−HK$369/mo
Today · 4.125%
HK$12,415
baseline
▲ 0.50% · 4.625%
HK$13,171
+HK$756/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,830/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$12,997
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,345
−HK$354/mo
Today · 4.125%
HK$13,699
baseline
▲ 0.50% · 4.625%
HK$14,421
+HK$722/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,398/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$15,021
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,488
−HK$475/mo
Today · 4.125%
HK$15,963
baseline
▲ 0.50% · 4.625%
HK$16,934
+HK$971/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$31,926/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$16,710
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,158
−HK$455/mo
Today · 4.125%
HK$17,613
baseline
▲ 0.50% · 4.625%
HK$18,541
+HK$928/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$35,226/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).