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$8,349
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,609
−HK$264/mo
Today · 4.125%
HK$8,873
baseline
▲ 0.50% · 4.625%
HK$9,413
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,746/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$9,289
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,538
−HK$253/mo
Today · 4.125%
HK$9,791
baseline
▲ 0.50% · 4.625%
HK$10,307
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,582/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$10,019
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,331
−HK$317/mo
Today · 4.125%
HK$10,648
baseline
▲ 0.50% · 4.625%
HK$11,296
+HK$648/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$21,296/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$11,146
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,445
−HK$304/mo
Today · 4.125%
HK$11,749
baseline
▲ 0.50% · 4.625%
HK$12,368
+HK$619/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$23,498/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$11,689
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,053
−HK$369/mo
Today · 4.125%
HK$12,422
baseline
▲ 0.50% · 4.625%
HK$13,178
+HK$756/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,844/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$13,004
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,353
−HK$354/mo
Today · 4.125%
HK$13,707
baseline
▲ 0.50% · 4.625%
HK$14,429
+HK$722/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,414/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$15,029
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,496
−HK$475/mo
Today · 4.125%
HK$15,971
baseline
▲ 0.50% · 4.625%
HK$16,943
+HK$972/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$31,942/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$16,720
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,168
−HK$455/mo
Today · 4.125%
HK$17,623
baseline
▲ 0.50% · 4.625%
HK$18,552
+HK$929/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$35,246/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).