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$8,354
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,614
−HK$264/mo
Today · 4.125%
HK$8,878
baseline
▲ 0.50% · 4.625%
HK$9,418
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,756/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$9,293
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,543
−HK$252/mo
Today · 4.125%
HK$9,795
baseline
▲ 0.50% · 4.625%
HK$10,312
+HK$517/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,590/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$10,024
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,336
−HK$317/mo
Today · 4.125%
HK$10,653
baseline
▲ 0.50% · 4.625%
HK$11,301
+HK$648/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,306/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$11,152
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,451
−HK$304/mo
Today · 4.125%
HK$11,755
baseline
▲ 0.50% · 4.625%
HK$12,374
+HK$619/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,510/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$11,695
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,059
−HK$370/mo
Today · 4.125%
HK$12,429
baseline
▲ 0.50% · 4.625%
HK$13,185
+HK$756/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,858/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$13,011
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,360
−HK$354/mo
Today · 4.125%
HK$13,714
baseline
▲ 0.50% · 4.625%
HK$14,437
+HK$723/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,428/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$15,037
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,504
−HK$476/mo
Today · 4.125%
HK$15,980
baseline
▲ 0.50% · 4.625%
HK$16,952
+HK$972/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$31,960/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$16,728
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,177
−HK$455/mo
Today · 4.125%
HK$17,632
baseline
▲ 0.50% · 4.625%
HK$18,561
+HK$929/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$35,264/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).