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$8,337
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,597
−HK$263/mo
Today · 4.125%
HK$8,860
baseline
▲ 0.50% · 4.625%
HK$9,399
+HK$539/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,720/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$9,275
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,524
−HK$252/mo
Today · 4.125%
HK$9,776
baseline
▲ 0.50% · 4.625%
HK$10,292
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,552/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$10,005
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,316
−HK$316/mo
Today · 4.125%
HK$10,632
baseline
▲ 0.50% · 4.625%
HK$11,279
+HK$647/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,264/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$11,130
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,429
−HK$303/mo
Today · 4.125%
HK$11,732
baseline
▲ 0.50% · 4.625%
HK$12,350
+HK$618/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,464/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$11,672
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,035
−HK$369/mo
Today · 4.125%
HK$12,404
baseline
▲ 0.50% · 4.625%
HK$13,159
+HK$755/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,808/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$12,985
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,334
−HK$353/mo
Today · 4.125%
HK$13,687
baseline
▲ 0.50% · 4.625%
HK$14,408
+HK$721/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,374/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$15,007
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,474
−HK$474/mo
Today · 4.125%
HK$15,948
baseline
▲ 0.50% · 4.625%
HK$16,919
+HK$971/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$31,896/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$16,695
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,143
−HK$454/mo
Today · 4.125%
HK$17,597
baseline
▲ 0.50% · 4.625%
HK$18,525
+HK$928/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$35,194/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).