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$8,340
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,600
−HK$263/mo
Today · 4.125%
HK$8,863
baseline
▲ 0.50% · 4.625%
HK$9,402
+HK$539/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,726/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$502/mo
▼ 0.25% · 3.875%
HK$9,527
−HK$253/mo
Today · 4.125%
HK$9,780
baseline
▲ 0.50% · 4.625%
HK$10,295
+HK$515/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,560/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$10,008
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,319
−HK$317/mo
Today · 4.125%
HK$10,636
baseline
▲ 0.50% · 4.625%
HK$11,283
+HK$647/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,272/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$11,134
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,433
−HK$303/mo
Today · 4.125%
HK$11,736
baseline
▲ 0.50% · 4.625%
HK$12,354
+HK$618/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,472/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$11,676
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,039
−HK$369/mo
Today · 4.125%
HK$12,408
baseline
▲ 0.50% · 4.625%
HK$13,163
+HK$755/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,816/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$12,990
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,338
−HK$353/mo
Today · 4.125%
HK$13,691
baseline
▲ 0.50% · 4.625%
HK$14,413
+HK$722/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,382/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$15,012
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,479
−HK$475/mo
Today · 4.125%
HK$15,954
baseline
▲ 0.50% · 4.625%
HK$16,924
+HK$970/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$31,908/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$16,701
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,149
−HK$454/mo
Today · 4.125%
HK$17,603
baseline
▲ 0.50% · 4.625%
HK$18,531
+HK$928/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$35,206/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).