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$8,356
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,616
−HK$264/mo
Today · 4.125%
HK$8,880
baseline
▲ 0.50% · 4.625%
HK$9,421
+HK$541/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,760/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$9,296
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,545
−HK$253/mo
Today · 4.125%
HK$9,798
baseline
▲ 0.50% · 4.625%
HK$10,315
+HK$517/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,596/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$10,027
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,339
−HK$317/mo
Today · 4.125%
HK$10,656
baseline
▲ 0.50% · 4.625%
HK$11,305
+HK$649/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,312/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$11,155
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,455
−HK$303/mo
Today · 4.125%
HK$11,758
baseline
▲ 0.50% · 4.625%
HK$12,378
+HK$620/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,516/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$11,699
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,063
−HK$369/mo
Today · 4.125%
HK$12,432
baseline
▲ 0.50% · 4.625%
HK$13,189
+HK$757/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,864/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$13,015
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,364
−HK$354/mo
Today · 4.125%
HK$13,718
baseline
▲ 0.50% · 4.625%
HK$14,441
+HK$723/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,436/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$15,041
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,509
−HK$475/mo
Today · 4.125%
HK$15,984
baseline
▲ 0.50% · 4.625%
HK$16,957
+HK$973/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$31,968/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$16,733
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,182
−HK$455/mo
Today · 4.125%
HK$17,637
baseline
▲ 0.50% · 4.625%
HK$18,567
+HK$930/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$35,274/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).