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$8,287
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,545
−HK$261/mo
Today · 4.125%
HK$8,806
baseline
▲ 0.50% · 4.625%
HK$9,342
+HK$536/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,612/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$9,219
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,466
−HK$251/mo
Today · 4.125%
HK$9,717
baseline
▲ 0.50% · 4.625%
HK$10,229
+HK$512/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,434/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$9,944
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,254
−HK$314/mo
Today · 4.125%
HK$10,568
baseline
▲ 0.50% · 4.625%
HK$11,211
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,136/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$11,063
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,359
−HK$301/mo
Today · 4.125%
HK$11,660
baseline
▲ 0.50% · 4.625%
HK$12,275
+HK$615/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,320/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$11,602
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,962
−HK$367/mo
Today · 4.125%
HK$12,329
baseline
▲ 0.50% · 4.625%
HK$13,079
+HK$750/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,658/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$12,907
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,253
−HK$351/mo
Today · 4.125%
HK$13,604
baseline
▲ 0.50% · 4.625%
HK$14,321
+HK$717/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,208/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$14,916
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,380
−HK$472/mo
Today · 4.125%
HK$15,852
baseline
▲ 0.50% · 4.625%
HK$16,816
+HK$964/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,704/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$16,594
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,039
−HK$452/mo
Today · 4.125%
HK$17,491
baseline
▲ 0.50% · 4.625%
HK$18,413
+HK$922/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,982/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).