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$8,348
−HK$523/mo
▼ 0.25% · 3.875%
HK$8,608
−HK$263/mo
Today · 4.125%
HK$8,871
baseline
▲ 0.50% · 4.625%
HK$9,411
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,742/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$9,287
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,536
−HK$253/mo
Today · 4.125%
HK$9,789
baseline
▲ 0.50% · 4.625%
HK$10,305
+HK$516/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,578/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$10,018
−HK$628/mo
▼ 0.25% · 3.875%
HK$10,329
−HK$317/mo
Today · 4.125%
HK$10,646
baseline
▲ 0.50% · 4.625%
HK$11,294
+HK$648/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$21,292/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$11,144
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,443
−HK$304/mo
Today · 4.125%
HK$11,747
baseline
▲ 0.50% · 4.625%
HK$12,366
+HK$619/mo
Deposit HK$1.46M · loan HK$2.20M · min. income ≈ HK$23,494/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$11,687
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,051
−HK$369/mo
Today · 4.125%
HK$12,420
baseline
▲ 0.50% · 4.625%
HK$13,176
+HK$756/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,840/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$13,002
−HK$702/mo
▼ 0.25% · 3.875%
HK$13,351
−HK$353/mo
Today · 4.125%
HK$13,704
baseline
▲ 0.50% · 4.625%
HK$14,427
+HK$723/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,408/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$15,026
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,494
−HK$475/mo
Today · 4.125%
HK$15,969
baseline
▲ 0.50% · 4.625%
HK$16,940
+HK$971/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$31,938/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$16,717
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,165
−HK$455/mo
Today · 4.125%
HK$17,620
baseline
▲ 0.50% · 4.625%
HK$18,549
+HK$929/mo
Deposit HK$366K · loan HK$3.29M · min. income ≈ HK$35,240/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).