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$8,354
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,614
−HK$264/mo
Today · 4.125%
HK$8,878
baseline
▲ 0.50% · 4.625%
HK$9,418
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,756/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$9,294
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,543
−HK$253/mo
Today · 4.125%
HK$9,796
baseline
▲ 0.50% · 4.625%
HK$10,313
+HK$517/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,592/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$10,025
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,337
−HK$317/mo
Today · 4.125%
HK$10,654
baseline
▲ 0.50% · 4.625%
HK$11,302
+HK$648/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,308/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$11,153
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,452
−HK$304/mo
Today · 4.125%
HK$11,756
baseline
▲ 0.50% · 4.625%
HK$12,375
+HK$619/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,512/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$11,696
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,060
−HK$370/mo
Today · 4.125%
HK$12,430
baseline
▲ 0.50% · 4.625%
HK$13,186
+HK$756/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,860/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$13,012
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,361
−HK$354/mo
Today · 4.125%
HK$13,715
baseline
▲ 0.50% · 4.625%
HK$14,438
+HK$723/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,430/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$15,038
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,506
−HK$475/mo
Today · 4.125%
HK$15,981
baseline
▲ 0.50% · 4.625%
HK$16,953
+HK$972/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$31,962/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$16,729
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,178
−HK$455/mo
Today · 4.125%
HK$17,633
baseline
▲ 0.50% · 4.625%
HK$18,563
+HK$930/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$35,266/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).