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$8,296
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,554
−HK$262/mo
Today · 4.125%
HK$8,816
baseline
▲ 0.50% · 4.625%
HK$9,353
+HK$537/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,632/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$9,229
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,477
−HK$251/mo
Today · 4.125%
HK$9,728
baseline
▲ 0.50% · 4.625%
HK$10,241
+HK$513/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,456/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$9,955
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,265
−HK$314/mo
Today · 4.125%
HK$10,579
baseline
▲ 0.50% · 4.625%
HK$11,223
+HK$644/mo
Deposit HK$1.46M · loan HK$2.18M · min. income ≈ HK$21,158/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$11,075
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,372
−HK$301/mo
Today · 4.125%
HK$11,673
baseline
▲ 0.50% · 4.625%
HK$12,289
+HK$616/mo
Deposit HK$1.46M · loan HK$2.18M · min. income ≈ HK$23,346/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$11,614
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,976
−HK$367/mo
Today · 4.125%
HK$12,343
baseline
▲ 0.50% · 4.625%
HK$13,094
+HK$751/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,686/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$12,921
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,267
−HK$352/mo
Today · 4.125%
HK$13,619
baseline
▲ 0.50% · 4.625%
HK$14,337
+HK$718/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,238/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$14,933
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,397
−HK$472/mo
Today · 4.125%
HK$15,869
baseline
▲ 0.50% · 4.625%
HK$16,835
+HK$966/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$31,738/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$16,612
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,058
−HK$452/mo
Today · 4.125%
HK$17,510
baseline
▲ 0.50% · 4.625%
HK$18,433
+HK$923/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$35,020/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).