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$8,363
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,623
−HK$264/mo
Today · 4.125%
HK$8,887
baseline
▲ 0.50% · 4.625%
HK$9,428
+HK$541/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,774/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$9,304
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,553
−HK$253/mo
Today · 4.125%
HK$9,806
baseline
▲ 0.50% · 4.625%
HK$10,323
+HK$517/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,612/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$10,036
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,348
−HK$317/mo
Today · 4.125%
HK$10,665
baseline
▲ 0.50% · 4.625%
HK$11,314
+HK$649/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,330/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$11,164
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,464
−HK$304/mo
Today · 4.125%
HK$11,768
baseline
▲ 0.50% · 4.625%
HK$12,388
+HK$620/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,536/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$11,708
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,072
−HK$370/mo
Today · 4.125%
HK$12,442
baseline
▲ 0.50% · 4.625%
HK$13,199
+HK$757/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,884/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$13,025
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,374
−HK$355/mo
Today · 4.125%
HK$13,729
baseline
▲ 0.50% · 4.625%
HK$14,453
+HK$724/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,458/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$15,053
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,522
−HK$475/mo
Today · 4.125%
HK$15,997
baseline
▲ 0.50% · 4.625%
HK$16,971
+HK$974/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$31,994/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$16,747
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,196
−HK$455/mo
Today · 4.125%
HK$17,651
baseline
▲ 0.50% · 4.625%
HK$18,582
+HK$931/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,302/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).