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$8,353
−HK$524/mo
▼ 0.25% · 3.875%
HK$8,613
−HK$264/mo
Today · 4.125%
HK$8,877
baseline
▲ 0.50% · 4.625%
HK$9,417
+HK$540/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$17,754/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$9,293
−HK$502/mo
▼ 0.25% · 3.875%
HK$9,542
−HK$253/mo
Today · 4.125%
HK$9,795
baseline
▲ 0.50% · 4.625%
HK$10,312
+HK$517/mo
Deposit HK$1.83M · loan HK$1.83M · min. income ≈ HK$19,590/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$10,024
−HK$629/mo
▼ 0.25% · 3.875%
HK$10,336
−HK$317/mo
Today · 4.125%
HK$10,653
baseline
▲ 0.50% · 4.625%
HK$11,301
+HK$648/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$21,306/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$11,152
−HK$602/mo
▼ 0.25% · 3.875%
HK$11,451
−HK$303/mo
Today · 4.125%
HK$11,754
baseline
▲ 0.50% · 4.625%
HK$12,374
+HK$620/mo
Deposit HK$1.47M · loan HK$2.20M · min. income ≈ HK$23,508/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$11,695
−HK$733/mo
▼ 0.25% · 3.875%
HK$12,059
−HK$369/mo
Today · 4.125%
HK$12,428
baseline
▲ 0.50% · 4.625%
HK$13,184
+HK$756/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$24,856/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$13,010
−HK$703/mo
▼ 0.25% · 3.875%
HK$13,359
−HK$354/mo
Today · 4.125%
HK$13,713
baseline
▲ 0.50% · 4.625%
HK$14,436
+HK$723/mo
Deposit HK$1.10M · loan HK$2.56M · min. income ≈ HK$27,426/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$15,036
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,504
−HK$475/mo
Today · 4.125%
HK$15,979
baseline
▲ 0.50% · 4.625%
HK$16,951
+HK$972/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$31,958/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$16,728
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,176
−HK$455/mo
Today · 4.125%
HK$17,631
baseline
▲ 0.50% · 4.625%
HK$18,561
+HK$930/mo
Deposit HK$366K · loan HK$3.30M · min. income ≈ HK$35,262/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).