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$519/mo
▼ 0.25% · 3.875%
HK$8,525
−HK$262/mo
Today · 4.125%
HK$8,787
baseline
▲ 0.50% · 4.625%
HK$9,321
+HK$534/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,574/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$9,445
−HK$250/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$9,922
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,231
−HK$313/mo
Today · 4.125%
HK$10,544
baseline
▲ 0.50% · 4.625%
HK$11,186
+HK$642/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,088/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$11,038
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,334
−HK$300/mo
Today · 4.125%
HK$11,634
baseline
▲ 0.50% · 4.625%
HK$12,248
+HK$614/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$11,576
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,936
−HK$365/mo
Today · 4.125%
HK$12,301
baseline
▲ 0.50% · 4.625%
HK$13,050
+HK$749/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$12,878
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,223
−HK$350/mo
Today · 4.125%
HK$13,573
baseline
▲ 0.50% · 4.625%
HK$14,289
+HK$716/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,146/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$14,883
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,346
−HK$470/mo
Today · 4.125%
HK$15,816
baseline
▲ 0.50% · 4.625%
HK$16,779
+HK$963/mo
Deposit HK$363K · loan HK$3.26M · min. income ≈ HK$31,632/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$16,557
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,001
−HK$451/mo
Today · 4.125%
HK$17,452
baseline
▲ 0.50% · 4.625%
HK$18,372
+HK$920/mo
Deposit HK$363K · loan HK$3.26M · min. income ≈ HK$34,904/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).