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$8,268
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,525
−HK$261/mo
Today · 4.125%
HK$8,786
baseline
▲ 0.50% · 4.625%
HK$9,321
+HK$535/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,572/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$9,198
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,444
−HK$251/mo
Today · 4.125%
HK$9,695
baseline
▲ 0.50% · 4.625%
HK$10,206
+HK$511/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,390/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$9,921
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,230
−HK$313/mo
Today · 4.125%
HK$10,543
baseline
▲ 0.50% · 4.625%
HK$11,185
+HK$642/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,086/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$11,037
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,333
−HK$301/mo
Today · 4.125%
HK$11,634
baseline
▲ 0.50% · 4.625%
HK$12,247
+HK$613/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,268/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$11,575
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,935
−HK$366/mo
Today · 4.125%
HK$12,301
baseline
▲ 0.50% · 4.625%
HK$13,049
+HK$748/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,602/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$12,877
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,222
−HK$350/mo
Today · 4.125%
HK$13,572
baseline
▲ 0.50% · 4.625%
HK$14,288
+HK$716/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,144/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$14,882
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,345
−HK$470/mo
Today · 4.125%
HK$15,815
baseline
▲ 0.50% · 4.625%
HK$16,777
+HK$962/mo
Deposit HK$363K · loan HK$3.26M · min. income ≈ HK$31,630/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$16,556
−HK$894/mo
▼ 0.25% · 3.875%
HK$17,000
−HK$450/mo
Today · 4.125%
HK$17,450
baseline
▲ 0.50% · 4.625%
HK$18,370
+HK$920/mo
Deposit HK$363K · loan HK$3.26M · min. income ≈ HK$34,900/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).