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$8,347
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,606
−HK$264/mo
Today · 4.125%
HK$8,870
baseline
▲ 0.50% · 4.625%
HK$9,410
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,740/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$9,286
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,535
−HK$252/mo
Today · 4.125%
HK$9,787
baseline
▲ 0.50% · 4.625%
HK$10,303
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,574/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$10,016
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,328
−HK$316/mo
Today · 4.125%
HK$10,644
baseline
▲ 0.50% · 4.625%
HK$11,292
+HK$648/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$21,288/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$11,143
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,442
−HK$303/mo
Today · 4.125%
HK$11,745
baseline
▲ 0.50% · 4.625%
HK$12,364
+HK$619/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$23,490/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$11,685
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,049
−HK$369/mo
Today · 4.125%
HK$12,418
baseline
▲ 0.50% · 4.625%
HK$13,174
+HK$756/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,836/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$13,000
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,348
−HK$354/mo
Today · 4.125%
HK$13,702
baseline
▲ 0.50% · 4.625%
HK$14,424
+HK$722/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,404/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$15,024
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,491
−HK$475/mo
Today · 4.125%
HK$15,966
baseline
▲ 0.50% · 4.625%
HK$16,938
+HK$972/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$31,932/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$16,714
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,162
−HK$455/mo
Today · 4.125%
HK$17,617
baseline
▲ 0.50% · 4.625%
HK$18,546
+HK$929/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$35,234/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).