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$8,299
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,557
−HK$262/mo
Today · 4.125%
HK$8,819
baseline
▲ 0.50% · 4.625%
HK$9,356
+HK$537/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,638/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$9,233
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,480
−HK$251/mo
Today · 4.125%
HK$9,731
baseline
▲ 0.50% · 4.625%
HK$10,244
+HK$513/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,462/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$9,959
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,269
−HK$314/mo
Today · 4.125%
HK$10,583
baseline
▲ 0.50% · 4.625%
HK$11,227
+HK$644/mo
Deposit HK$1.46M · loan HK$2.18M · min. income ≈ HK$21,166/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$11,079
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,376
−HK$302/mo
Today · 4.125%
HK$11,678
baseline
▲ 0.50% · 4.625%
HK$12,293
+HK$615/mo
Deposit HK$1.46M · loan HK$2.18M · min. income ≈ HK$23,356/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$11,619
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,980
−HK$367/mo
Today · 4.125%
HK$12,347
baseline
▲ 0.50% · 4.625%
HK$13,099
+HK$752/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,694/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$12,926
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,272
−HK$352/mo
Today · 4.125%
HK$13,624
baseline
▲ 0.50% · 4.625%
HK$14,342
+HK$718/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,248/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$14,938
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,403
−HK$472/mo
Today · 4.125%
HK$15,875
baseline
▲ 0.50% · 4.625%
HK$16,841
+HK$966/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$31,750/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$16,619
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,064
−HK$453/mo
Today · 4.125%
HK$17,517
baseline
▲ 0.50% · 4.625%
HK$18,440
+HK$923/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$35,034/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).