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$8,321
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,580
−HK$263/mo
Today · 4.125%
HK$8,843
baseline
▲ 0.50% · 4.625%
HK$9,381
+HK$538/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,686/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$9,257
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,505
−HK$252/mo
Today · 4.125%
HK$9,757
baseline
▲ 0.50% · 4.625%
HK$10,271
+HK$514/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,514/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$9,985
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,296
−HK$315/mo
Today · 4.125%
HK$10,611
baseline
▲ 0.50% · 4.625%
HK$11,257
+HK$646/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,222/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$11,108
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,406
−HK$302/mo
Today · 4.125%
HK$11,708
baseline
▲ 0.50% · 4.625%
HK$12,326
+HK$618/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,416/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$11,649
−HK$731/mo
▼ 0.25% · 3.875%
HK$12,012
−HK$368/mo
Today · 4.125%
HK$12,380
baseline
▲ 0.50% · 4.625%
HK$13,133
+HK$753/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,760/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$12,960
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,307
−HK$353/mo
Today · 4.125%
HK$13,660
baseline
▲ 0.50% · 4.625%
HK$14,380
+HK$720/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,320/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$14,978
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,443
−HK$474/mo
Today · 4.125%
HK$15,917
baseline
▲ 0.50% · 4.625%
HK$16,885
+HK$968/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$31,834/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$16,662
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,109
−HK$454/mo
Today · 4.125%
HK$17,563
baseline
▲ 0.50% · 4.625%
HK$18,488
+HK$925/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$35,126/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).