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$8,244
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,501
−HK$260/mo
Today · 4.125%
HK$8,761
baseline
▲ 0.50% · 4.625%
HK$9,294
+HK$533/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,522/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$9,172
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,418
−HK$249/mo
Today · 4.125%
HK$9,667
baseline
▲ 0.50% · 4.625%
HK$10,177
+HK$510/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,334/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$9,893
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,201
−HK$313/mo
Today · 4.125%
HK$10,514
baseline
▲ 0.50% · 4.625%
HK$11,153
+HK$639/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,028/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$11,006
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,301
−HK$300/mo
Today · 4.125%
HK$11,601
baseline
▲ 0.50% · 4.625%
HK$12,212
+HK$611/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,202/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$11,542
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,901
−HK$365/mo
Today · 4.125%
HK$12,266
baseline
▲ 0.50% · 4.625%
HK$13,012
+HK$746/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,532/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$12,840
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,185
−HK$349/mo
Today · 4.125%
HK$13,534
baseline
▲ 0.50% · 4.625%
HK$14,247
+HK$713/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,068/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$14,840
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,301
−HK$469/mo
Today · 4.125%
HK$15,770
baseline
▲ 0.50% · 4.625%
HK$16,730
+HK$960/mo
Deposit HK$362K · loan HK$3.25M · min. income ≈ HK$31,540/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$16,509
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,952
−HK$449/mo
Today · 4.125%
HK$17,401
baseline
▲ 0.50% · 4.625%
HK$18,318
+HK$917/mo
Deposit HK$362K · loan HK$3.25M · min. income ≈ HK$34,802/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).