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$8,297
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,555
−HK$262/mo
Today · 4.125%
HK$8,817
baseline
▲ 0.50% · 4.625%
HK$9,354
+HK$537/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,634/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$9,231
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,478
−HK$251/mo
Today · 4.125%
HK$9,729
baseline
▲ 0.50% · 4.625%
HK$10,242
+HK$513/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,458/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$9,957
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,266
−HK$315/mo
Today · 4.125%
HK$10,581
baseline
▲ 0.50% · 4.625%
HK$11,225
+HK$644/mo
Deposit HK$1.46M · loan HK$2.18M · min. income ≈ HK$21,162/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,077
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,374
−HK$301/mo
Today · 4.125%
HK$11,675
baseline
▲ 0.50% · 4.625%
HK$12,290
+HK$615/mo
Deposit HK$1.46M · loan HK$2.18M · min. income ≈ HK$23,350/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,616
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,977
−HK$367/mo
Today · 4.125%
HK$12,344
baseline
▲ 0.50% · 4.625%
HK$13,096
+HK$752/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,688/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$12,923
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,269
−HK$352/mo
Today · 4.125%
HK$13,621
baseline
▲ 0.50% · 4.625%
HK$14,339
+HK$718/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,242/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$14,935
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,400
−HK$471/mo
Today · 4.125%
HK$15,871
baseline
▲ 0.50% · 4.625%
HK$16,837
+HK$966/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$31,742/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$16,615
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,061
−HK$452/mo
Today · 4.125%
HK$17,513
baseline
▲ 0.50% · 4.625%
HK$18,436
+HK$923/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$35,026/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).