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$8,264
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,521
−HK$262/mo
Today · 4.125%
HK$8,783
baseline
▲ 0.50% · 4.625%
HK$9,317
+HK$534/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,566/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,194
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,441
−HK$250/mo
Today · 4.125%
HK$9,691
baseline
▲ 0.50% · 4.625%
HK$10,202
+HK$511/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,382/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,917
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,226
−HK$313/mo
Today · 4.125%
HK$10,539
baseline
▲ 0.50% · 4.625%
HK$11,180
+HK$641/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,078/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$11,033
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,329
−HK$300/mo
Today · 4.125%
HK$11,629
baseline
▲ 0.50% · 4.625%
HK$12,242
+HK$613/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,258/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$11,570
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,930
−HK$366/mo
Today · 4.125%
HK$12,296
baseline
▲ 0.50% · 4.625%
HK$13,044
+HK$748/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,592/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$12,872
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,217
−HK$350/mo
Today · 4.125%
HK$13,567
baseline
▲ 0.50% · 4.625%
HK$14,282
+HK$715/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,134/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$14,876
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,339
−HK$470/mo
Today · 4.125%
HK$15,809
baseline
▲ 0.50% · 4.625%
HK$16,771
+HK$962/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$31,618/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$16,549
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,993
−HK$450/mo
Today · 4.125%
HK$17,443
baseline
▲ 0.50% · 4.625%
HK$18,363
+HK$920/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$34,886/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).