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$8,279
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,537
−HK$261/mo
Today · 4.125%
HK$8,798
baseline
▲ 0.50% · 4.625%
HK$9,334
+HK$536/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,596/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$9,211
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,458
−HK$250/mo
Today · 4.125%
HK$9,708
baseline
▲ 0.50% · 4.625%
HK$10,220
+HK$512/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,416/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$9,935
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,244
−HK$314/mo
Today · 4.125%
HK$10,558
baseline
▲ 0.50% · 4.625%
HK$11,201
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,116/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$11,053
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,349
−HK$301/mo
Today · 4.125%
HK$11,650
baseline
▲ 0.50% · 4.625%
HK$12,264
+HK$614/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,300/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$11,591
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,952
−HK$366/mo
Today · 4.125%
HK$12,318
baseline
▲ 0.50% · 4.625%
HK$13,067
+HK$749/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,636/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$12,895
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,241
−HK$351/mo
Today · 4.125%
HK$13,592
baseline
▲ 0.50% · 4.625%
HK$14,308
+HK$716/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,184/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$14,903
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,366
−HK$471/mo
Today · 4.125%
HK$15,837
baseline
▲ 0.50% · 4.625%
HK$16,801
+HK$964/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,674/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$16,579
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,024
−HK$451/mo
Today · 4.125%
HK$17,475
baseline
▲ 0.50% · 4.625%
HK$18,396
+HK$921/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,950/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).