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$8,328
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,587
−HK$263/mo
Today · 4.125%
HK$8,850
baseline
▲ 0.50% · 4.625%
HK$9,388
+HK$538/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,700/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$9,264
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,513
−HK$252/mo
Today · 4.125%
HK$9,765
baseline
▲ 0.50% · 4.625%
HK$10,280
+HK$515/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,530/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$9,993
−HK$627/mo
▼ 0.25% · 3.875%
HK$10,304
−HK$316/mo
Today · 4.125%
HK$10,620
baseline
▲ 0.50% · 4.625%
HK$11,266
+HK$646/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,240/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$11,117
−HK$601/mo
▼ 0.25% · 3.875%
HK$11,415
−HK$303/mo
Today · 4.125%
HK$11,718
baseline
▲ 0.50% · 4.625%
HK$12,335
+HK$617/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,436/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$11,659
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,021
−HK$369/mo
Today · 4.125%
HK$12,390
baseline
▲ 0.50% · 4.625%
HK$13,143
+HK$753/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,780/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$12,970
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,318
−HK$353/mo
Today · 4.125%
HK$13,671
baseline
▲ 0.50% · 4.625%
HK$14,391
+HK$720/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,342/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$14,990
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,456
−HK$474/mo
Today · 4.125%
HK$15,930
baseline
▲ 0.50% · 4.625%
HK$16,899
+HK$969/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$31,860/mo (50% DSR)
Upfront cash ≈ HK$365K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,676
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,123
−HK$454/mo
Today · 4.125%
HK$17,577
baseline
▲ 0.50% · 4.625%
HK$18,503
+HK$926/mo
Deposit HK$365K · loan HK$3.29M · min. income ≈ HK$35,154/mo (50% DSR)
Upfront cash ≈ HK$365K (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).