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$8,326
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,585
−HK$263/mo
Today · 4.125%
HK$8,848
baseline
▲ 0.50% · 4.625%
HK$9,386
+HK$538/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,696/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$9,263
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,511
−HK$252/mo
Today · 4.125%
HK$9,763
baseline
▲ 0.50% · 4.625%
HK$10,278
+HK$515/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,526/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$9,991
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,302
−HK$316/mo
Today · 4.125%
HK$10,618
baseline
▲ 0.50% · 4.625%
HK$11,264
+HK$646/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,236/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$11,115
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,413
−HK$303/mo
Today · 4.125%
HK$11,716
baseline
▲ 0.50% · 4.625%
HK$12,333
+HK$617/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,432/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$11,656
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,019
−HK$368/mo
Today · 4.125%
HK$12,387
baseline
▲ 0.50% · 4.625%
HK$13,141
+HK$754/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,774/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$12,968
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,315
−HK$353/mo
Today · 4.125%
HK$13,668
baseline
▲ 0.50% · 4.625%
HK$14,389
+HK$721/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,336/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$14,987
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,453
−HK$474/mo
Today · 4.125%
HK$15,927
baseline
▲ 0.50% · 4.625%
HK$16,896
+HK$969/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$31,854/mo (50% DSR)
Upfront cash ≈ HK$365K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,673
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,120
−HK$453/mo
Today · 4.125%
HK$17,573
baseline
▲ 0.50% · 4.625%
HK$18,500
+HK$927/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$35,146/mo (50% DSR)
Upfront cash ≈ HK$365K (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).