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$8,289
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,547
−HK$262/mo
Today · 4.125%
HK$8,809
baseline
▲ 0.50% · 4.625%
HK$9,344
+HK$535/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,618/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$9,221
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,468
−HK$251/mo
Today · 4.125%
HK$9,719
baseline
▲ 0.50% · 4.625%
HK$10,232
+HK$513/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,438/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$9,946
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,256
−HK$314/mo
Today · 4.125%
HK$10,570
baseline
▲ 0.50% · 4.625%
HK$11,213
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,140/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$11,065
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,362
−HK$301/mo
Today · 4.125%
HK$11,663
baseline
▲ 0.50% · 4.625%
HK$12,278
+HK$615/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,326/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$11,604
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,965
−HK$367/mo
Today · 4.125%
HK$12,332
baseline
▲ 0.50% · 4.625%
HK$13,082
+HK$750/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,664/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$12,910
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,256
−HK$351/mo
Today · 4.125%
HK$13,607
baseline
▲ 0.50% · 4.625%
HK$14,324
+HK$717/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,214/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$14,920
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,384
−HK$471/mo
Today · 4.125%
HK$15,855
baseline
▲ 0.50% · 4.625%
HK$16,820
+HK$965/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$31,710/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$16,598
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,043
−HK$452/mo
Today · 4.125%
HK$17,495
baseline
▲ 0.50% · 4.625%
HK$18,417
+HK$922/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$34,990/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).