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$8,323
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,582
−HK$263/mo
Today · 4.125%
HK$8,845
baseline
▲ 0.50% · 4.625%
HK$9,383
+HK$538/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,690/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$9,259
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,508
−HK$252/mo
Today · 4.125%
HK$9,760
baseline
▲ 0.50% · 4.625%
HK$10,274
+HK$514/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,520/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$9,988
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,298
−HK$316/mo
Today · 4.125%
HK$10,614
baseline
▲ 0.50% · 4.625%
HK$11,260
+HK$646/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,228/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$11,111
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,409
−HK$303/mo
Today · 4.125%
HK$11,712
baseline
▲ 0.50% · 4.625%
HK$12,329
+HK$617/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,424/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$11,652
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,015
−HK$368/mo
Today · 4.125%
HK$12,383
baseline
▲ 0.50% · 4.625%
HK$13,137
+HK$754/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,766/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$12,963
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,311
−HK$352/mo
Today · 4.125%
HK$13,663
baseline
▲ 0.50% · 4.625%
HK$14,384
+HK$721/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,326/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$14,982
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,448
−HK$473/mo
Today · 4.125%
HK$15,921
baseline
▲ 0.50% · 4.625%
HK$16,890
+HK$969/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$31,842/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$16,667
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,114
−HK$453/mo
Today · 4.125%
HK$17,567
baseline
▲ 0.50% · 4.625%
HK$18,493
+HK$926/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$35,134/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).