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$8,283
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,541
−HK$262/mo
Today · 4.125%
HK$8,803
baseline
▲ 0.50% · 4.625%
HK$9,339
+HK$536/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,606/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$9,215
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,462
−HK$251/mo
Today · 4.125%
HK$9,713
baseline
▲ 0.50% · 4.625%
HK$10,225
+HK$512/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,426/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$9,940
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,249
−HK$314/mo
Today · 4.125%
HK$10,563
baseline
▲ 0.50% · 4.625%
HK$11,206
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,126/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$11,058
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,355
−HK$301/mo
Today · 4.125%
HK$11,656
baseline
▲ 0.50% · 4.625%
HK$12,270
+HK$614/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,312/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$11,597
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,958
−HK$366/mo
Today · 4.125%
HK$12,324
baseline
▲ 0.50% · 4.625%
HK$13,074
+HK$750/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,648/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$12,901
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,247
−HK$351/mo
Today · 4.125%
HK$13,598
baseline
▲ 0.50% · 4.625%
HK$14,315
+HK$717/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,196/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$14,910
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,374
−HK$471/mo
Today · 4.125%
HK$15,845
baseline
▲ 0.50% · 4.625%
HK$16,809
+HK$964/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,690/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$16,587
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,032
−HK$452/mo
Today · 4.125%
HK$17,484
baseline
▲ 0.50% · 4.625%
HK$18,405
+HK$921/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,968/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).