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$8,313
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,572
−HK$262/mo
Today · 4.125%
HK$8,834
baseline
▲ 0.50% · 4.625%
HK$9,372
+HK$538/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,668/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$9,248
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,496
−HK$252/mo
Today · 4.125%
HK$9,748
baseline
▲ 0.50% · 4.625%
HK$10,262
+HK$514/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,496/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$9,976
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,286
−HK$315/mo
Today · 4.125%
HK$10,601
baseline
▲ 0.50% · 4.625%
HK$11,246
+HK$645/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,202/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$11,098
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,396
−HK$302/mo
Today · 4.125%
HK$11,698
baseline
▲ 0.50% · 4.625%
HK$12,314
+HK$616/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,396/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$11,638
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,000
−HK$368/mo
Today · 4.125%
HK$12,368
baseline
▲ 0.50% · 4.625%
HK$13,121
+HK$753/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,736/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$12,948
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,295
−HK$352/mo
Today · 4.125%
HK$13,647
baseline
▲ 0.50% · 4.625%
HK$14,367
+HK$720/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,294/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$14,964
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,429
−HK$473/mo
Today · 4.125%
HK$15,902
baseline
▲ 0.50% · 4.625%
HK$16,870
+HK$968/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$31,804/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$16,647
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,093
−HK$453/mo
Today · 4.125%
HK$17,546
baseline
▲ 0.50% · 4.625%
HK$18,471
+HK$925/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$35,092/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).