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$8,357
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,617
−HK$264/mo
Today · 4.125%
HK$8,881
baseline
▲ 0.50% · 4.625%
HK$9,422
+HK$541/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,762/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$9,297
−HK$503/mo
▼ 0.25% · 3.875%
HK$9,547
−HK$253/mo
Today · 4.125%
HK$9,800
baseline
▲ 0.50% · 4.625%
HK$10,316
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,600/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$10,029
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,341
−HK$317/mo
Today · 4.125%
HK$10,658
baseline
▲ 0.50% · 4.625%
HK$11,306
+HK$648/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,316/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$11,157
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,456
−HK$304/mo
Today · 4.125%
HK$11,760
baseline
▲ 0.50% · 4.625%
HK$12,380
+HK$620/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,520/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$11,700
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,064
−HK$370/mo
Today · 4.125%
HK$12,434
baseline
▲ 0.50% · 4.625%
HK$13,191
+HK$757/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,868/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$13,016
−HK$704/mo
▼ 0.25% · 3.875%
HK$13,366
−HK$354/mo
Today · 4.125%
HK$13,720
baseline
▲ 0.50% · 4.625%
HK$14,443
+HK$723/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,440/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$15,043
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,511
−HK$476/mo
Today · 4.125%
HK$15,987
baseline
▲ 0.50% · 4.625%
HK$16,959
+HK$972/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$31,974/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$16,735
−HK$905/mo
▼ 0.25% · 3.875%
HK$17,184
−HK$456/mo
Today · 4.125%
HK$17,640
baseline
▲ 0.50% · 4.625%
HK$18,569
+HK$929/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,280/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).