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$8,335
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,594
−HK$264/mo
Today · 4.125%
HK$8,858
baseline
▲ 0.50% · 4.625%
HK$9,397
+HK$539/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,716/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$9,273
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,521
−HK$253/mo
Today · 4.125%
HK$9,774
baseline
▲ 0.50% · 4.625%
HK$10,289
+HK$515/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,548/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$10,002
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,313
−HK$316/mo
Today · 4.125%
HK$10,629
baseline
▲ 0.50% · 4.625%
HK$11,276
+HK$647/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,258/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$11,127
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,426
−HK$302/mo
Today · 4.125%
HK$11,728
baseline
▲ 0.50% · 4.625%
HK$12,347
+HK$619/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,456/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$11,669
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,032
−HK$369/mo
Today · 4.125%
HK$12,401
baseline
▲ 0.50% · 4.625%
HK$13,155
+HK$754/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,802/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$12,982
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,330
−HK$353/mo
Today · 4.125%
HK$13,683
baseline
▲ 0.50% · 4.625%
HK$14,404
+HK$721/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,366/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$15,003
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,470
−HK$474/mo
Today · 4.125%
HK$15,944
baseline
▲ 0.50% · 4.625%
HK$16,914
+HK$970/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$31,888/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$16,691
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,138
−HK$455/mo
Today · 4.125%
HK$17,593
baseline
▲ 0.50% · 4.625%
HK$18,520
+HK$927/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$35,186/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).