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$8,366
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,626
−HK$264/mo
Today · 4.125%
HK$8,890
baseline
▲ 0.50% · 4.625%
HK$9,431
+HK$541/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,780/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$9,307
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,556
−HK$254/mo
Today · 4.125%
HK$9,810
baseline
▲ 0.50% · 4.625%
HK$10,327
+HK$517/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,620/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$10,039
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,351
−HK$317/mo
Today · 4.125%
HK$10,668
baseline
▲ 0.50% · 4.625%
HK$11,318
+HK$650/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,336/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$11,168
−HK$604/mo
▼ 0.25% · 3.875%
HK$11,468
−HK$304/mo
Today · 4.125%
HK$11,772
baseline
▲ 0.50% · 4.625%
HK$12,392
+HK$620/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,544/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$11,712
−HK$735/mo
▼ 0.25% · 3.875%
HK$12,076
−HK$371/mo
Today · 4.125%
HK$12,447
baseline
▲ 0.50% · 4.625%
HK$13,204
+HK$757/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,894/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$13,030
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,379
−HK$355/mo
Today · 4.125%
HK$13,734
baseline
▲ 0.50% · 4.625%
HK$14,457
+HK$723/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,468/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$15,058
−HK$945/mo
▼ 0.25% · 3.875%
HK$15,527
−HK$476/mo
Today · 4.125%
HK$16,003
baseline
▲ 0.50% · 4.625%
HK$16,976
+HK$973/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$32,006/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$16,752
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,202
−HK$455/mo
Today · 4.125%
HK$17,657
baseline
▲ 0.50% · 4.625%
HK$18,588
+HK$931/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,314/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).