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$8,332
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,591
−HK$263/mo
Today · 4.125%
HK$8,854
baseline
▲ 0.50% · 4.625%
HK$9,393
+HK$539/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,708/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$9,269
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,518
−HK$252/mo
Today · 4.125%
HK$9,770
baseline
▲ 0.50% · 4.625%
HK$10,285
+HK$515/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,540/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$9,998
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,309
−HK$316/mo
Today · 4.125%
HK$10,625
baseline
▲ 0.50% · 4.625%
HK$11,272
+HK$647/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,250/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$11,123
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,421
−HK$303/mo
Today · 4.125%
HK$11,724
baseline
▲ 0.50% · 4.625%
HK$12,342
+HK$618/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,448/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$11,664
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,027
−HK$369/mo
Today · 4.125%
HK$12,396
baseline
▲ 0.50% · 4.625%
HK$13,150
+HK$754/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,792/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$12,977
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,325
−HK$353/mo
Today · 4.125%
HK$13,678
baseline
▲ 0.50% · 4.625%
HK$14,399
+HK$721/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,356/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$14,997
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,464
−HK$474/mo
Today · 4.125%
HK$15,938
baseline
▲ 0.50% · 4.625%
HK$16,907
+HK$969/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$31,876/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$16,684
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,132
−HK$453/mo
Today · 4.125%
HK$17,585
baseline
▲ 0.50% · 4.625%
HK$18,512
+HK$927/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$35,170/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).