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$8,360
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,620
−HK$264/mo
Today · 4.125%
HK$8,884
baseline
▲ 0.50% · 4.625%
HK$9,424
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,768/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$9,300
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,549
−HK$253/mo
Today · 4.125%
HK$9,802
baseline
▲ 0.50% · 4.625%
HK$10,319
+HK$517/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,604/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$10,031
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,343
−HK$317/mo
Today · 4.125%
HK$10,660
baseline
▲ 0.50% · 4.625%
HK$11,309
+HK$649/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,320/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$11,160
−HK$603/mo
▼ 0.25% · 3.875%
HK$11,459
−HK$304/mo
Today · 4.125%
HK$11,763
baseline
▲ 0.50% · 4.625%
HK$12,383
+HK$620/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,526/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$11,703
−HK$734/mo
▼ 0.25% · 3.875%
HK$12,067
−HK$370/mo
Today · 4.125%
HK$12,437
baseline
▲ 0.50% · 4.625%
HK$13,194
+HK$757/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$24,874/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$13,020
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,369
−HK$354/mo
Today · 4.125%
HK$13,723
baseline
▲ 0.50% · 4.625%
HK$14,447
+HK$724/mo
Deposit HK$1.10M · loan HK$2.57M · min. income ≈ HK$27,446/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$15,047
−HK$944/mo
▼ 0.25% · 3.875%
HK$15,515
−HK$476/mo
Today · 4.125%
HK$15,991
baseline
▲ 0.50% · 4.625%
HK$16,964
+HK$973/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$31,982/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$16,740
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,189
−HK$455/mo
Today · 4.125%
HK$17,644
baseline
▲ 0.50% · 4.625%
HK$18,574
+HK$930/mo
Deposit HK$367K · loan HK$3.30M · min. income ≈ HK$35,288/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).