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$8,310
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,568
−HK$263/mo
Today · 4.125%
HK$8,831
baseline
▲ 0.50% · 4.625%
HK$9,368
+HK$537/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,662/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$9,245
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,493
−HK$251/mo
Today · 4.125%
HK$9,744
baseline
▲ 0.50% · 4.625%
HK$10,258
+HK$514/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,488/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$9,972
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,282
−HK$315/mo
Today · 4.125%
HK$10,597
baseline
▲ 0.50% · 4.625%
HK$11,242
+HK$645/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,194/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$11,094
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,391
−HK$302/mo
Today · 4.125%
HK$11,693
baseline
▲ 0.50% · 4.625%
HK$12,309
+HK$616/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,386/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$11,634
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,996
−HK$367/mo
Today · 4.125%
HK$12,363
baseline
▲ 0.50% · 4.625%
HK$13,116
+HK$753/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,726/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$12,942
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,290
−HK$352/mo
Today · 4.125%
HK$13,642
baseline
▲ 0.50% · 4.625%
HK$14,361
+HK$719/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,284/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$14,958
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,423
−HK$473/mo
Today · 4.125%
HK$15,896
baseline
▲ 0.50% · 4.625%
HK$16,863
+HK$967/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$31,792/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$16,640
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,087
−HK$452/mo
Today · 4.125%
HK$17,539
baseline
▲ 0.50% · 4.625%
HK$18,464
+HK$925/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$35,078/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).