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$8,243
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,499
−HK$260/mo
Today · 4.125%
HK$8,759
baseline
▲ 0.50% · 4.625%
HK$9,292
+HK$533/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,518/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$9,170
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,416
−HK$249/mo
Today · 4.125%
HK$9,665
baseline
▲ 0.50% · 4.625%
HK$10,175
+HK$510/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,330/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$9,891
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,199
−HK$312/mo
Today · 4.125%
HK$10,511
baseline
▲ 0.50% · 4.625%
HK$11,151
+HK$640/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,022/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$11,004
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,299
−HK$299/mo
Today · 4.125%
HK$11,598
baseline
▲ 0.50% · 4.625%
HK$12,210
+HK$612/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,196/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$11,540
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,899
−HK$364/mo
Today · 4.125%
HK$12,263
baseline
▲ 0.50% · 4.625%
HK$13,009
+HK$746/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,526/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,838
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,182
−HK$349/mo
Today · 4.125%
HK$13,531
baseline
▲ 0.50% · 4.625%
HK$14,244
+HK$713/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,062/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,837
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,298
−HK$469/mo
Today · 4.125%
HK$15,767
baseline
▲ 0.50% · 4.625%
HK$16,726
+HK$959/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,534/mo (50% DSR)
Upfront cash ≈ HK$362K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,506
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,948
−HK$449/mo
Today · 4.125%
HK$17,397
baseline
▲ 0.50% · 4.625%
HK$18,314
+HK$917/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,794/mo (50% DSR)
Upfront cash ≈ HK$362K (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).