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$8,315
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,573
−HK$263/mo
Today · 4.125%
HK$8,836
baseline
▲ 0.50% · 4.625%
HK$9,374
+HK$538/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,672/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$9,250
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,498
−HK$252/mo
Today · 4.125%
HK$9,750
baseline
▲ 0.50% · 4.625%
HK$10,264
+HK$514/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,500/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$9,978
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,288
−HK$315/mo
Today · 4.125%
HK$10,603
baseline
▲ 0.50% · 4.625%
HK$11,248
+HK$645/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,206/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$11,100
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,398
−HK$302/mo
Today · 4.125%
HK$11,700
baseline
▲ 0.50% · 4.625%
HK$12,316
+HK$616/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,400/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$11,640
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,003
−HK$367/mo
Today · 4.125%
HK$12,370
baseline
▲ 0.50% · 4.625%
HK$13,123
+HK$753/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,740/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$12,950
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,297
−HK$353/mo
Today · 4.125%
HK$13,650
baseline
▲ 0.50% · 4.625%
HK$14,369
+HK$719/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,300/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$14,966
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,432
−HK$473/mo
Today · 4.125%
HK$15,905
baseline
▲ 0.50% · 4.625%
HK$16,873
+HK$968/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$31,810/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$16,650
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,096
−HK$453/mo
Today · 4.125%
HK$17,549
baseline
▲ 0.50% · 4.625%
HK$18,475
+HK$926/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$35,098/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).