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$8,341
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,601
−HK$263/mo
Today · 4.125%
HK$8,864
baseline
▲ 0.50% · 4.625%
HK$9,404
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,728/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$9,280
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,529
−HK$252/mo
Today · 4.125%
HK$9,781
baseline
▲ 0.50% · 4.625%
HK$10,297
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,562/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$10,010
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,321
−HK$316/mo
Today · 4.125%
HK$10,637
baseline
▲ 0.50% · 4.625%
HK$11,285
+HK$648/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,274/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$11,136
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,434
−HK$303/mo
Today · 4.125%
HK$11,737
baseline
▲ 0.50% · 4.625%
HK$12,356
+HK$619/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,474/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$11,678
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,041
−HK$369/mo
Today · 4.125%
HK$12,410
baseline
▲ 0.50% · 4.625%
HK$13,165
+HK$755/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,820/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$12,992
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,340
−HK$353/mo
Today · 4.125%
HK$13,693
baseline
▲ 0.50% · 4.625%
HK$14,415
+HK$722/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,386/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$15,014
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,481
−HK$475/mo
Today · 4.125%
HK$15,956
baseline
▲ 0.50% · 4.625%
HK$16,927
+HK$971/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$31,912/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$16,703
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,151
−HK$455/mo
Today · 4.125%
HK$17,606
baseline
▲ 0.50% · 4.625%
HK$18,534
+HK$928/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$35,212/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).