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$8,267
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,524
−HK$261/mo
Today · 4.125%
HK$8,785
baseline
▲ 0.50% · 4.625%
HK$9,320
+HK$535/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,570/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,197
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,444
−HK$250/mo
Today · 4.125%
HK$9,694
baseline
▲ 0.50% · 4.625%
HK$10,205
+HK$511/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,388/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,920
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,229
−HK$314/mo
Today · 4.125%
HK$10,543
baseline
▲ 0.50% · 4.625%
HK$11,184
+HK$641/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,086/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$11,036
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,332
−HK$301/mo
Today · 4.125%
HK$11,633
baseline
▲ 0.50% · 4.625%
HK$12,246
+HK$613/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,266/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$11,574
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,934
−HK$366/mo
Today · 4.125%
HK$12,300
baseline
▲ 0.50% · 4.625%
HK$13,048
+HK$748/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,600/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$12,876
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,221
−HK$350/mo
Today · 4.125%
HK$13,571
baseline
▲ 0.50% · 4.625%
HK$14,287
+HK$716/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,142/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$14,881
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,344
−HK$470/mo
Today · 4.125%
HK$15,814
baseline
▲ 0.50% · 4.625%
HK$16,776
+HK$962/mo
Deposit HK$363K · loan HK$3.26M · min. income ≈ HK$31,628/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$16,555
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,999
−HK$450/mo
Today · 4.125%
HK$17,449
baseline
▲ 0.50% · 4.625%
HK$18,369
+HK$920/mo
Deposit HK$363K · loan HK$3.26M · min. income ≈ HK$34,898/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).