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$8,327
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,586
−HK$263/mo
Today · 4.125%
HK$8,849
baseline
▲ 0.50% · 4.625%
HK$9,388
+HK$539/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,698/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$9,264
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,512
−HK$252/mo
Today · 4.125%
HK$9,764
baseline
▲ 0.50% · 4.625%
HK$10,279
+HK$515/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,528/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$9,992
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,303
−HK$316/mo
Today · 4.125%
HK$10,619
baseline
▲ 0.50% · 4.625%
HK$11,265
+HK$646/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,238/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$11,116
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,415
−HK$302/mo
Today · 4.125%
HK$11,717
baseline
▲ 0.50% · 4.625%
HK$12,335
+HK$618/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,434/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$11,658
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,020
−HK$369/mo
Today · 4.125%
HK$12,389
baseline
▲ 0.50% · 4.625%
HK$13,143
+HK$754/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,778/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$12,969
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,317
−HK$353/mo
Today · 4.125%
HK$13,670
baseline
▲ 0.50% · 4.625%
HK$14,390
+HK$720/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,340/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$14,989
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,455
−HK$473/mo
Today · 4.125%
HK$15,928
baseline
▲ 0.50% · 4.625%
HK$16,898
+HK$970/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$31,856/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$16,675
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,122
−HK$453/mo
Today · 4.125%
HK$17,575
baseline
▲ 0.50% · 4.625%
HK$18,502
+HK$927/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$35,150/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).