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$8,270
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,527
−HK$261/mo
Today · 4.125%
HK$8,788
baseline
▲ 0.50% · 4.625%
HK$9,323
+HK$535/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,576/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$9,200
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,447
−HK$250/mo
Today · 4.125%
HK$9,697
baseline
▲ 0.50% · 4.625%
HK$10,208
+HK$511/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,394/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$9,923
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,232
−HK$314/mo
Today · 4.125%
HK$10,546
baseline
▲ 0.50% · 4.625%
HK$11,187
+HK$641/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,092/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$11,040
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,336
−HK$300/mo
Today · 4.125%
HK$11,636
baseline
▲ 0.50% · 4.625%
HK$12,250
+HK$614/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,272/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$11,577
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,937
−HK$366/mo
Today · 4.125%
HK$12,303
baseline
▲ 0.50% · 4.625%
HK$13,052
+HK$749/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,606/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$12,880
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,225
−HK$351/mo
Today · 4.125%
HK$13,576
baseline
▲ 0.50% · 4.625%
HK$14,291
+HK$715/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,152/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$14,885
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,348
−HK$471/mo
Today · 4.125%
HK$15,819
baseline
▲ 0.50% · 4.625%
HK$16,781
+HK$962/mo
Deposit HK$363K · loan HK$3.26M · min. income ≈ HK$31,638/mo (50% DSR)
Upfront cash ≈ HK$363K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,560
−HK$894/mo
▼ 0.25% · 3.875%
HK$17,004
−HK$450/mo
Today · 4.125%
HK$17,454
baseline
▲ 0.50% · 4.625%
HK$18,374
+HK$920/mo
Deposit HK$363K · loan HK$3.26M · min. income ≈ HK$34,908/mo (50% DSR)
Upfront cash ≈ HK$363K (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).