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$8,339
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,598
−HK$263/mo
Today · 4.125%
HK$8,861
baseline
▲ 0.50% · 4.625%
HK$9,401
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,722/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$9,277
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,525
−HK$253/mo
Today · 4.125%
HK$9,778
baseline
▲ 0.50% · 4.625%
HK$10,293
+HK$515/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,556/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$10,006
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,318
−HK$316/mo
Today · 4.125%
HK$10,634
baseline
▲ 0.50% · 4.625%
HK$11,281
+HK$647/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,268/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$11,132
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,430
−HK$303/mo
Today · 4.125%
HK$11,733
baseline
▲ 0.50% · 4.625%
HK$12,352
+HK$619/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,466/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$11,674
−HK$732/mo
▼ 0.25% · 3.875%
HK$12,037
−HK$369/mo
Today · 4.125%
HK$12,406
baseline
▲ 0.50% · 4.625%
HK$13,161
+HK$755/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,812/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$12,987
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,335
−HK$354/mo
Today · 4.125%
HK$13,689
baseline
▲ 0.50% · 4.625%
HK$14,410
+HK$721/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,378/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$15,009
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,476
−HK$475/mo
Today · 4.125%
HK$15,951
baseline
▲ 0.50% · 4.625%
HK$16,921
+HK$970/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$31,902/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$16,698
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,146
−HK$454/mo
Today · 4.125%
HK$17,600
baseline
▲ 0.50% · 4.625%
HK$18,528
+HK$928/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$35,200/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).