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$8,292
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,550
−HK$262/mo
Today · 4.125%
HK$8,812
baseline
▲ 0.50% · 4.625%
HK$9,348
+HK$536/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,624/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$9,224
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,472
−HK$251/mo
Today · 4.125%
HK$9,723
baseline
▲ 0.50% · 4.625%
HK$10,235
+HK$512/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,446/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$9,950
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,259
−HK$315/mo
Today · 4.125%
HK$10,574
baseline
▲ 0.50% · 4.625%
HK$11,217
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,148/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$11,069
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,366
−HK$301/mo
Today · 4.125%
HK$11,667
baseline
▲ 0.50% · 4.625%
HK$12,282
+HK$615/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,334/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$11,608
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,969
−HK$367/mo
Today · 4.125%
HK$12,336
baseline
▲ 0.50% · 4.625%
HK$13,087
+HK$751/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,672/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$12,914
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,260
−HK$352/mo
Today · 4.125%
HK$13,612
baseline
▲ 0.50% · 4.625%
HK$14,329
+HK$717/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,224/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$14,925
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,389
−HK$472/mo
Today · 4.125%
HK$15,861
baseline
▲ 0.50% · 4.625%
HK$16,826
+HK$965/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$31,722/mo (50% DSR)
Upfront cash ≈ HK$364K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,604
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,049
−HK$452/mo
Today · 4.125%
HK$17,501
baseline
▲ 0.50% · 4.625%
HK$18,423
+HK$922/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$35,002/mo (50% DSR)
Upfront cash ≈ HK$364K (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).