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$8,266
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,523
−HK$261/mo
Today · 4.125%
HK$8,784
baseline
▲ 0.50% · 4.625%
HK$9,318
+HK$534/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,568/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,195
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,442
−HK$250/mo
Today · 4.125%
HK$9,692
baseline
▲ 0.50% · 4.625%
HK$10,203
+HK$511/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,384/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,919
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,227
−HK$314/mo
Today · 4.125%
HK$10,541
baseline
▲ 0.50% · 4.625%
HK$11,182
+HK$641/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,082/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$11,034
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,330
−HK$301/mo
Today · 4.125%
HK$11,631
baseline
▲ 0.50% · 4.625%
HK$12,244
+HK$613/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,262/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$11,572
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,932
−HK$365/mo
Today · 4.125%
HK$12,297
baseline
▲ 0.50% · 4.625%
HK$13,046
+HK$749/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,594/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$12,873
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,219
−HK$350/mo
Today · 4.125%
HK$13,569
baseline
▲ 0.50% · 4.625%
HK$14,284
+HK$715/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,138/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$14,878
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,341
−HK$470/mo
Today · 4.125%
HK$15,811
baseline
▲ 0.50% · 4.625%
HK$16,773
+HK$962/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$31,622/mo (50% DSR)
Upfront cash ≈ HK$363K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,552
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,995
−HK$451/mo
Today · 4.125%
HK$17,446
baseline
▲ 0.50% · 4.625%
HK$18,365
+HK$919/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$34,892/mo (50% DSR)
Upfront cash ≈ HK$363K (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).