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$8,289
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,547
−HK$262/mo
Today · 4.125%
HK$8,809
baseline
▲ 0.50% · 4.625%
HK$9,345
+HK$536/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,618/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$499/mo
▼ 0.25% · 3.875%
HK$9,469
−HK$251/mo
Today · 4.125%
HK$9,720
baseline
▲ 0.50% · 4.625%
HK$10,232
+HK$512/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,440/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$9,947
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,256
−HK$315/mo
Today · 4.125%
HK$10,571
baseline
▲ 0.50% · 4.625%
HK$11,214
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,142/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$11,066
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,363
−HK$301/mo
Today · 4.125%
HK$11,664
baseline
▲ 0.50% · 4.625%
HK$12,278
+HK$614/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,328/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$11,605
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,966
−HK$366/mo
Today · 4.125%
HK$12,332
baseline
▲ 0.50% · 4.625%
HK$13,083
+HK$751/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,664/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$12,910
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,256
−HK$352/mo
Today · 4.125%
HK$13,608
baseline
▲ 0.50% · 4.625%
HK$14,325
+HK$717/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,216/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$14,920
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,384
−HK$472/mo
Today · 4.125%
HK$15,856
baseline
▲ 0.50% · 4.625%
HK$16,821
+HK$965/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$31,712/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$16,599
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,044
−HK$451/mo
Today · 4.125%
HK$17,495
baseline
▲ 0.50% · 4.625%
HK$18,418
+HK$923/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$34,990/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).