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$8,367
−HK$525/mo
▼ 0.25% · 3.875%
HK$8,627
−HK$265/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$9,308
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,558
−HK$253/mo
Today · 4.125%
HK$9,811
baseline
▲ 0.50% · 4.625%
HK$10,328
+HK$517/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,622/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$10,040
−HK$630/mo
▼ 0.25% · 3.875%
HK$10,353
−HK$317/mo
Today · 4.125%
HK$10,670
baseline
▲ 0.50% · 4.625%
HK$11,319
+HK$649/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,340/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$11,170
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,469
−HK$304/mo
Today · 4.125%
HK$11,773
baseline
▲ 0.50% · 4.625%
HK$12,394
+HK$621/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,546/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$11,714
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,078
−HK$370/mo
Today · 4.125%
HK$12,448
baseline
▲ 0.50% · 4.625%
HK$13,206
+HK$758/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,896/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$13,031
−HK$705/mo
▼ 0.25% · 3.875%
HK$13,381
−HK$355/mo
Today · 4.125%
HK$13,736
baseline
▲ 0.50% · 4.625%
HK$14,460
+HK$724/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,472/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$15,061
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,529
−HK$476/mo
Today · 4.125%
HK$16,005
baseline
▲ 0.50% · 4.625%
HK$16,979
+HK$974/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$32,010/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$16,755
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,204
−HK$456/mo
Today · 4.125%
HK$17,660
baseline
▲ 0.50% · 4.625%
HK$18,591
+HK$931/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,320/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).