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$8,339
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,599
−HK$263/mo
Today · 4.125%
HK$8,862
baseline
▲ 0.50% · 4.625%
HK$9,402
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,724/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$9,278
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,526
−HK$253/mo
Today · 4.125%
HK$9,779
baseline
▲ 0.50% · 4.625%
HK$10,294
+HK$515/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,558/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$10,007
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,319
−HK$316/mo
Today · 4.125%
HK$10,635
baseline
▲ 0.50% · 4.625%
HK$11,282
+HK$647/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,270/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$11,133
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,432
−HK$303/mo
Today · 4.125%
HK$11,735
baseline
▲ 0.50% · 4.625%
HK$12,353
+HK$618/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,470/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$11,675
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,038
−HK$369/mo
Today · 4.125%
HK$12,407
baseline
▲ 0.50% · 4.625%
HK$13,162
+HK$755/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,814/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$12,989
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,337
−HK$353/mo
Today · 4.125%
HK$13,690
baseline
▲ 0.50% · 4.625%
HK$14,412
+HK$722/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,380/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$15,011
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,478
−HK$474/mo
Today · 4.125%
HK$15,952
baseline
▲ 0.50% · 4.625%
HK$16,923
+HK$971/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$31,904/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$16,700
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,147
−HK$455/mo
Today · 4.125%
HK$17,602
baseline
▲ 0.50% · 4.625%
HK$18,530
+HK$928/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$35,204/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).