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$8,316
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,575
−HK$263/mo
Today · 4.125%
HK$8,838
baseline
▲ 0.50% · 4.625%
HK$9,375
+HK$537/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,676/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$9,252
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,500
−HK$252/mo
Today · 4.125%
HK$9,752
baseline
▲ 0.50% · 4.625%
HK$10,266
+HK$514/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,504/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$9,979
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,290
−HK$315/mo
Today · 4.125%
HK$10,605
baseline
▲ 0.50% · 4.625%
HK$11,251
+HK$646/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,210/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$11,102
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,400
−HK$302/mo
Today · 4.125%
HK$11,702
baseline
▲ 0.50% · 4.625%
HK$12,319
+HK$617/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,404/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$11,643
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,005
−HK$368/mo
Today · 4.125%
HK$12,373
baseline
▲ 0.50% · 4.625%
HK$13,126
+HK$753/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,746/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$12,952
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,300
−HK$352/mo
Today · 4.125%
HK$13,652
baseline
▲ 0.50% · 4.625%
HK$14,372
+HK$720/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,304/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$14,969
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,435
−HK$473/mo
Today · 4.125%
HK$15,908
baseline
▲ 0.50% · 4.625%
HK$16,876
+HK$968/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$31,816/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$16,653
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,100
−HK$453/mo
Today · 4.125%
HK$17,553
baseline
▲ 0.50% · 4.625%
HK$18,478
+HK$925/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$35,106/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).