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$8,368
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,628
−HK$264/mo
Today · 4.125%
HK$8,892
baseline
▲ 0.50% · 4.625%
HK$9,433
+HK$541/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,784/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$9,309
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,559
−HK$253/mo
Today · 4.125%
HK$9,812
baseline
▲ 0.50% · 4.625%
HK$10,329
+HK$517/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,624/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$10,041
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,354
−HK$317/mo
Today · 4.125%
HK$10,671
baseline
▲ 0.50% · 4.625%
HK$11,320
+HK$649/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,342/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,171
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,470
−HK$304/mo
Today · 4.125%
HK$11,774
baseline
▲ 0.50% · 4.625%
HK$12,395
+HK$621/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,548/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,715
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,079
−HK$370/mo
Today · 4.125%
HK$12,449
baseline
▲ 0.50% · 4.625%
HK$13,207
+HK$758/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,898/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$13,033
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,382
−HK$355/mo
Today · 4.125%
HK$13,737
baseline
▲ 0.50% · 4.625%
HK$14,461
+HK$724/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,474/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$15,062
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,530
−HK$476/mo
Today · 4.125%
HK$16,006
baseline
▲ 0.50% · 4.625%
HK$16,980
+HK$974/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$32,012/mo (50% DSR)
Upfront cash ≈ HK$367K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,756
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,205
−HK$456/mo
Today · 4.125%
HK$17,661
baseline
▲ 0.50% · 4.625%
HK$18,592
+HK$931/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,322/mo (50% DSR)
Upfront cash ≈ HK$367K (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).