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$8,343
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,603
−HK$263/mo
Today · 4.125%
HK$8,866
baseline
▲ 0.50% · 4.625%
HK$9,406
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,732/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$9,282
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,531
−HK$252/mo
Today · 4.125%
HK$9,783
baseline
▲ 0.50% · 4.625%
HK$10,299
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,566/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$10,012
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,323
−HK$317/mo
Today · 4.125%
HK$10,640
baseline
▲ 0.50% · 4.625%
HK$11,287
+HK$647/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$21,280/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$11,138
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,437
−HK$303/mo
Today · 4.125%
HK$11,740
baseline
▲ 0.50% · 4.625%
HK$12,359
+HK$619/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$23,480/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$11,681
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,044
−HK$369/mo
Today · 4.125%
HK$12,413
baseline
▲ 0.50% · 4.625%
HK$13,168
+HK$755/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,826/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$12,994
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,343
−HK$354/mo
Today · 4.125%
HK$13,697
baseline
▲ 0.50% · 4.625%
HK$14,419
+HK$722/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,394/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$15,018
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,485
−HK$475/mo
Today · 4.125%
HK$15,960
baseline
▲ 0.50% · 4.625%
HK$16,931
+HK$971/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$31,920/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$16,707
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,155
−HK$455/mo
Today · 4.125%
HK$17,610
baseline
▲ 0.50% · 4.625%
HK$18,538
+HK$928/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$35,220/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).