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$8,312
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,570
−HK$263/mo
Today · 4.125%
HK$8,833
baseline
▲ 0.50% · 4.625%
HK$9,371
+HK$538/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,666/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$9,247
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,495
−HK$251/mo
Today · 4.125%
HK$9,746
baseline
▲ 0.50% · 4.625%
HK$10,260
+HK$514/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,492/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$9,974
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,285
−HK$315/mo
Today · 4.125%
HK$10,600
baseline
▲ 0.50% · 4.625%
HK$11,245
+HK$645/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,200/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,096
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,394
−HK$302/mo
Today · 4.125%
HK$11,696
baseline
▲ 0.50% · 4.625%
HK$12,312
+HK$616/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,392/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,637
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,999
−HK$367/mo
Today · 4.125%
HK$12,366
baseline
▲ 0.50% · 4.625%
HK$13,119
+HK$753/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,732/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$12,946
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,293
−HK$352/mo
Today · 4.125%
HK$13,645
baseline
▲ 0.50% · 4.625%
HK$14,364
+HK$719/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,290/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$14,961
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,427
−HK$473/mo
Today · 4.125%
HK$15,900
baseline
▲ 0.50% · 4.625%
HK$16,867
+HK$967/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$31,800/mo (50% DSR)
Upfront cash ≈ HK$365K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,644
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,091
−HK$453/mo
Today · 4.125%
HK$17,544
baseline
▲ 0.50% · 4.625%
HK$18,468
+HK$924/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$35,088/mo (50% DSR)
Upfront cash ≈ HK$365K (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).