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$8,360
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,620
−HK$265/mo
Today · 4.125%
HK$8,885
baseline
▲ 0.50% · 4.625%
HK$9,425
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,770/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$9,301
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,550
−HK$253/mo
Today · 4.125%
HK$9,803
baseline
▲ 0.50% · 4.625%
HK$10,320
+HK$517/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,606/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$10,032
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,344
−HK$317/mo
Today · 4.125%
HK$10,661
baseline
▲ 0.50% · 4.625%
HK$11,310
+HK$649/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,322/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$11,161
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,460
−HK$304/mo
Today · 4.125%
HK$11,764
baseline
▲ 0.50% · 4.625%
HK$12,384
+HK$620/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,528/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$11,704
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,068
−HK$370/mo
Today · 4.125%
HK$12,438
baseline
▲ 0.50% · 4.625%
HK$13,195
+HK$757/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,876/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$13,021
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,370
−HK$354/mo
Today · 4.125%
HK$13,724
baseline
▲ 0.50% · 4.625%
HK$14,448
+HK$724/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,448/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$15,048
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,517
−HK$475/mo
Today · 4.125%
HK$15,992
baseline
▲ 0.50% · 4.625%
HK$16,965
+HK$973/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$31,984/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$16,741
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,190
−HK$456/mo
Today · 4.125%
HK$17,646
baseline
▲ 0.50% · 4.625%
HK$18,576
+HK$930/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,292/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).