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$8,346
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,605
−HK$264/mo
Today · 4.125%
HK$8,869
baseline
▲ 0.50% · 4.625%
HK$9,409
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,738/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$9,284
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,533
−HK$253/mo
Today · 4.125%
HK$9,786
baseline
▲ 0.50% · 4.625%
HK$10,302
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,572/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$10,015
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,326
−HK$317/mo
Today · 4.125%
HK$10,643
baseline
▲ 0.50% · 4.625%
HK$11,290
+HK$647/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$21,286/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$11,141
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,440
−HK$303/mo
Today · 4.125%
HK$11,743
baseline
▲ 0.50% · 4.625%
HK$12,362
+HK$619/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$23,486/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$11,684
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,047
−HK$369/mo
Today · 4.125%
HK$12,416
baseline
▲ 0.50% · 4.625%
HK$13,172
+HK$756/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,832/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$12,998
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,347
−HK$353/mo
Today · 4.125%
HK$13,700
baseline
▲ 0.50% · 4.625%
HK$14,423
+HK$723/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,400/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$15,022
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,489
−HK$475/mo
Today · 4.125%
HK$15,964
baseline
▲ 0.50% · 4.625%
HK$16,935
+HK$971/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$31,928/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$16,712
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,160
−HK$455/mo
Today · 4.125%
HK$17,615
baseline
▲ 0.50% · 4.625%
HK$18,543
+HK$928/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$35,230/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).