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$519/mo
▼ 0.25% · 3.875%
HK$8,527
−HK$262/mo
Today · 4.125%
HK$8,789
baseline
▲ 0.50% · 4.625%
HK$9,323
+HK$534/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,578/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$9,924
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,233
−HK$313/mo
Today · 4.125%
HK$10,546
baseline
▲ 0.50% · 4.625%
HK$11,188
+HK$642/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$597/mo
▼ 0.25% · 3.875%
HK$11,336
−HK$301/mo
Today · 4.125%
HK$11,637
baseline
▲ 0.50% · 4.625%
HK$12,250
+HK$613/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,274/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$11,578
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,938
−HK$366/mo
Today · 4.125%
HK$12,304
baseline
▲ 0.50% · 4.625%
HK$13,053
+HK$749/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,608/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$13,226
−HK$350/mo
Today · 4.125%
HK$13,576
baseline
▲ 0.50% · 4.625%
HK$14,292
+HK$716/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$14,886
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,349
−HK$470/mo
Today · 4.125%
HK$15,819
baseline
▲ 0.50% · 4.625%
HK$16,782
+HK$963/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$895/mo
▼ 0.25% · 3.875%
HK$17,005
−HK$450/mo
Today · 4.125%
HK$17,455
baseline
▲ 0.50% · 4.625%
HK$18,375
+HK$920/mo
Deposit HK$363K · loan HK$3.26M · min. income ≈ HK$34,910/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).