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$8,293
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,550
−HK$263/mo
Today · 4.125%
HK$8,813
baseline
▲ 0.50% · 4.625%
HK$9,349
+HK$536/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,626/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$9,225
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,473
−HK$251/mo
Today · 4.125%
HK$9,724
baseline
▲ 0.50% · 4.625%
HK$10,236
+HK$512/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,448/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$9,951
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,261
−HK$314/mo
Today · 4.125%
HK$10,575
baseline
▲ 0.50% · 4.625%
HK$11,219
+HK$644/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,150/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$11,070
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,367
−HK$302/mo
Today · 4.125%
HK$11,669
baseline
▲ 0.50% · 4.625%
HK$12,284
+HK$615/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,338/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$11,610
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,971
−HK$367/mo
Today · 4.125%
HK$12,338
baseline
▲ 0.50% · 4.625%
HK$13,088
+HK$750/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,676/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$12,916
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,262
−HK$351/mo
Today · 4.125%
HK$13,613
baseline
▲ 0.50% · 4.625%
HK$14,331
+HK$718/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,226/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$14,927
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,391
−HK$472/mo
Today · 4.125%
HK$15,863
baseline
▲ 0.50% · 4.625%
HK$16,828
+HK$965/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$31,726/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$16,606
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,051
−HK$452/mo
Today · 4.125%
HK$17,503
baseline
▲ 0.50% · 4.625%
HK$18,425
+HK$922/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$35,006/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).