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$8,341
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,600
−HK$264/mo
Today · 4.125%
HK$8,864
baseline
▲ 0.50% · 4.625%
HK$9,403
+HK$539/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,728/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$9,279
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,528
−HK$252/mo
Today · 4.125%
HK$9,780
baseline
▲ 0.50% · 4.625%
HK$10,296
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,560/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$10,009
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,320
−HK$317/mo
Today · 4.125%
HK$10,637
baseline
▲ 0.50% · 4.625%
HK$11,284
+HK$647/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,274/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$11,135
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,433
−HK$303/mo
Today · 4.125%
HK$11,736
baseline
▲ 0.50% · 4.625%
HK$12,355
+HK$619/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,472/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$11,677
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,040
−HK$369/mo
Today · 4.125%
HK$12,409
baseline
▲ 0.50% · 4.625%
HK$13,164
+HK$755/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,818/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$12,991
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,339
−HK$353/mo
Today · 4.125%
HK$13,692
baseline
▲ 0.50% · 4.625%
HK$14,414
+HK$722/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,384/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$15,013
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,480
−HK$475/mo
Today · 4.125%
HK$15,955
baseline
▲ 0.50% · 4.625%
HK$16,926
+HK$971/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$31,910/mo (50% DSR)
Upfront cash ≈ HK$366K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,702
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,150
−HK$455/mo
Today · 4.125%
HK$17,605
baseline
▲ 0.50% · 4.625%
HK$18,533
+HK$928/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$35,210/mo (50% DSR)
Upfront cash ≈ HK$366K (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).