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$8,358
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,618
−HK$264/mo
Today · 4.125%
HK$8,882
baseline
▲ 0.50% · 4.625%
HK$9,423
+HK$541/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,764/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$9,298
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,548
−HK$253/mo
Today · 4.125%
HK$9,801
baseline
▲ 0.50% · 4.625%
HK$10,317
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,602/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$10,030
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,342
−HK$317/mo
Today · 4.125%
HK$10,659
baseline
▲ 0.50% · 4.625%
HK$11,307
+HK$648/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,318/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$11,158
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,457
−HK$304/mo
Today · 4.125%
HK$11,761
baseline
▲ 0.50% · 4.625%
HK$12,381
+HK$620/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,522/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$11,701
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,065
−HK$370/mo
Today · 4.125%
HK$12,435
baseline
▲ 0.50% · 4.625%
HK$13,192
+HK$757/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,870/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$13,017
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,367
−HK$354/mo
Today · 4.125%
HK$13,721
baseline
▲ 0.50% · 4.625%
HK$14,444
+HK$723/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,442/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$15,044
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,512
−HK$476/mo
Today · 4.125%
HK$15,988
baseline
▲ 0.50% · 4.625%
HK$16,961
+HK$973/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$31,976/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$16,737
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,186
−HK$455/mo
Today · 4.125%
HK$17,641
baseline
▲ 0.50% · 4.625%
HK$18,571
+HK$930/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,282/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).