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$8,361
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,621
−HK$264/mo
Today · 4.125%
HK$8,885
baseline
▲ 0.50% · 4.625%
HK$9,426
+HK$541/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$503/mo
▼ 0.25% · 3.875%
HK$9,551
−HK$253/mo
Today · 4.125%
HK$9,804
baseline
▲ 0.50% · 4.625%
HK$10,321
+HK$517/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,608/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$10,033
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,345
−HK$317/mo
Today · 4.125%
HK$10,662
baseline
▲ 0.50% · 4.625%
HK$11,311
+HK$649/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,324/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$11,162
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,461
−HK$304/mo
Today · 4.125%
HK$11,765
baseline
▲ 0.50% · 4.625%
HK$12,385
+HK$620/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,530/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$11,705
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,069
−HK$370/mo
Today · 4.125%
HK$12,439
baseline
▲ 0.50% · 4.625%
HK$13,196
+HK$757/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,878/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$13,022
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,371
−HK$354/mo
Today · 4.125%
HK$13,725
baseline
▲ 0.50% · 4.625%
HK$14,449
+HK$724/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,450/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$15,049
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,518
−HK$475/mo
Today · 4.125%
HK$15,993
baseline
▲ 0.50% · 4.625%
HK$16,966
+HK$973/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$31,986/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$16,742
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,191
−HK$456/mo
Today · 4.125%
HK$17,647
baseline
▲ 0.50% · 4.625%
HK$18,577
+HK$930/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,294/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).