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$8,344
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,603
−HK$264/mo
Today · 4.125%
HK$8,867
baseline
▲ 0.50% · 4.625%
HK$9,407
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,734/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$502/mo
▼ 0.25% · 3.875%
HK$9,531
−HK$253/mo
Today · 4.125%
HK$9,784
baseline
▲ 0.50% · 4.625%
HK$10,300
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,568/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$10,013
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,324
−HK$316/mo
Today · 4.125%
HK$10,640
baseline
▲ 0.50% · 4.625%
HK$11,288
+HK$648/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$11,139
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,438
−HK$303/mo
Today · 4.125%
HK$11,741
baseline
▲ 0.50% · 4.625%
HK$12,359
+HK$618/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$23,482/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$733/mo
▼ 0.25% · 3.875%
HK$12,045
−HK$369/mo
Today · 4.125%
HK$12,414
baseline
▲ 0.50% · 4.625%
HK$13,169
+HK$755/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,828/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$12,995
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,344
−HK$353/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$15,019
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,486
−HK$475/mo
Today · 4.125%
HK$15,961
baseline
▲ 0.50% · 4.625%
HK$16,932
+HK$971/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$31,922/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$16,708
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,156
−HK$455/mo
Today · 4.125%
HK$17,611
baseline
▲ 0.50% · 4.625%
HK$18,539
+HK$928/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$35,222/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).