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$8,237
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,493
−HK$260/mo
Today · 4.125%
HK$8,753
baseline
▲ 0.50% · 4.625%
HK$9,286
+HK$533/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,506/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$9,163
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,409
−HK$249/mo
Today · 4.125%
HK$9,658
baseline
▲ 0.50% · 4.625%
HK$10,167
+HK$509/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,316/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$9,884
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,191
−HK$313/mo
Today · 4.125%
HK$10,504
baseline
▲ 0.50% · 4.625%
HK$11,143
+HK$639/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$21,008/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,996
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,291
−HK$299/mo
Today · 4.125%
HK$11,590
baseline
▲ 0.50% · 4.625%
HK$12,201
+HK$611/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$23,180/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,531
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,890
−HK$364/mo
Today · 4.125%
HK$12,254
baseline
▲ 0.50% · 4.625%
HK$13,000
+HK$746/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,508/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,828
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,172
−HK$350/mo
Today · 4.125%
HK$13,522
baseline
▲ 0.50% · 4.625%
HK$14,234
+HK$712/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,044/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,826
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,287
−HK$469/mo
Today · 4.125%
HK$15,756
baseline
▲ 0.50% · 4.625%
HK$16,714
+HK$958/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,512/mo (50% DSR)
Upfront cash ≈ HK$361K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,494
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,936
−HK$449/mo
Today · 4.125%
HK$17,385
baseline
▲ 0.50% · 4.625%
HK$18,301
+HK$916/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,770/mo (50% DSR)
Upfront cash ≈ HK$361K (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).