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$8,364
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,624
−HK$265/mo
Today · 4.125%
HK$8,889
baseline
▲ 0.50% · 4.625%
HK$9,430
+HK$541/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,778/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$9,305
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,555
−HK$253/mo
Today · 4.125%
HK$9,808
baseline
▲ 0.50% · 4.625%
HK$10,325
+HK$517/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,616/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$10,037
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,349
−HK$317/mo
Today · 4.125%
HK$10,666
baseline
▲ 0.50% · 4.625%
HK$11,316
+HK$650/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,332/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,166
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,466
−HK$303/mo
Today · 4.125%
HK$11,769
baseline
▲ 0.50% · 4.625%
HK$12,390
+HK$621/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,538/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,710
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,074
−HK$370/mo
Today · 4.125%
HK$12,444
baseline
▲ 0.50% · 4.625%
HK$13,201
+HK$757/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,888/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$13,027
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,377
−HK$354/mo
Today · 4.125%
HK$13,731
baseline
▲ 0.50% · 4.625%
HK$14,455
+HK$724/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,462/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$15,056
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,524
−HK$476/mo
Today · 4.125%
HK$16,000
baseline
▲ 0.50% · 4.625%
HK$16,973
+HK$973/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$32,000/mo (50% DSR)
Upfront cash ≈ HK$367K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,749
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,198
−HK$456/mo
Today · 4.125%
HK$17,654
baseline
▲ 0.50% · 4.625%
HK$18,585
+HK$931/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,308/mo (50% DSR)
Upfront cash ≈ HK$367K (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).