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$8,324
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,583
−HK$263/mo
Today · 4.125%
HK$8,846
baseline
▲ 0.50% · 4.625%
HK$9,384
+HK$538/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,692/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$9,260
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,509
−HK$252/mo
Today · 4.125%
HK$9,761
baseline
▲ 0.50% · 4.625%
HK$10,275
+HK$514/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,522/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$9,989
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,299
−HK$316/mo
Today · 4.125%
HK$10,615
baseline
▲ 0.50% · 4.625%
HK$11,261
+HK$646/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,230/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$11,112
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,410
−HK$303/mo
Today · 4.125%
HK$11,713
baseline
▲ 0.50% · 4.625%
HK$12,330
+HK$617/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,426/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$11,653
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,016
−HK$368/mo
Today · 4.125%
HK$12,384
baseline
▲ 0.50% · 4.625%
HK$13,138
+HK$754/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,768/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$12,964
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,312
−HK$353/mo
Today · 4.125%
HK$13,665
baseline
▲ 0.50% · 4.625%
HK$14,385
+HK$720/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,330/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$14,983
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,449
−HK$474/mo
Today · 4.125%
HK$15,923
baseline
▲ 0.50% · 4.625%
HK$16,891
+HK$968/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$31,846/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$16,668
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,116
−HK$453/mo
Today · 4.125%
HK$17,569
baseline
▲ 0.50% · 4.625%
HK$18,495
+HK$926/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$35,138/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).