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$8,292
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,550
−HK$262/mo
Today · 4.125%
HK$8,812
baseline
▲ 0.50% · 4.625%
HK$9,349
+HK$537/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,624/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,225
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,473
−HK$251/mo
Today · 4.125%
HK$9,724
baseline
▲ 0.50% · 4.625%
HK$10,236
+HK$512/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,448/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,951
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,260
−HK$315/mo
Today · 4.125%
HK$10,575
baseline
▲ 0.50% · 4.625%
HK$11,218
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,150/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,070
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,367
−HK$301/mo
Today · 4.125%
HK$11,668
baseline
▲ 0.50% · 4.625%
HK$12,283
+HK$615/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,336/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,609
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,971
−HK$366/mo
Today · 4.125%
HK$12,337
baseline
▲ 0.50% · 4.625%
HK$13,088
+HK$751/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,674/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,915
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,262
−HK$351/mo
Today · 4.125%
HK$13,613
baseline
▲ 0.50% · 4.625%
HK$14,331
+HK$718/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,226/mo (50% DSR)
Upfront cash ≈ HK$1.09M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,926
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,391
−HK$471/mo
Today · 4.125%
HK$15,862
baseline
▲ 0.50% · 4.625%
HK$16,828
+HK$966/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$31,724/mo (50% DSR)
Upfront cash ≈ HK$364K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,605
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,051
−HK$452/mo
Today · 4.125%
HK$17,503
baseline
▲ 0.50% · 4.625%
HK$18,425
+HK$922/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$35,006/mo (50% DSR)
Upfront cash ≈ HK$364K (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).