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$8,288
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,546
−HK$262/mo
Today · 4.125%
HK$8,808
baseline
▲ 0.50% · 4.625%
HK$9,344
+HK$536/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,616/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$9,221
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,468
−HK$251/mo
Today · 4.125%
HK$9,719
baseline
▲ 0.50% · 4.625%
HK$10,231
+HK$512/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,438/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$9,946
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,255
−HK$315/mo
Today · 4.125%
HK$10,570
baseline
▲ 0.50% · 4.625%
HK$11,213
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,140/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$11,065
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,361
−HK$301/mo
Today · 4.125%
HK$11,662
baseline
▲ 0.50% · 4.625%
HK$12,277
+HK$615/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,324/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$11,604
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,964
−HK$367/mo
Today · 4.125%
HK$12,331
baseline
▲ 0.50% · 4.625%
HK$13,081
+HK$750/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,662/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$12,909
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,255
−HK$351/mo
Today · 4.125%
HK$13,606
baseline
▲ 0.50% · 4.625%
HK$14,323
+HK$717/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,212/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$14,919
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,383
−HK$471/mo
Today · 4.125%
HK$15,854
baseline
▲ 0.50% · 4.625%
HK$16,819
+HK$965/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,708/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$16,597
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,042
−HK$452/mo
Today · 4.125%
HK$17,494
baseline
▲ 0.50% · 4.625%
HK$18,416
+HK$922/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,988/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).