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$8,235
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,491
−HK$260/mo
Today · 4.125%
HK$8,751
baseline
▲ 0.50% · 4.625%
HK$9,284
+HK$533/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,502/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$9,161
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,407
−HK$249/mo
Today · 4.125%
HK$9,656
baseline
▲ 0.50% · 4.625%
HK$10,165
+HK$509/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,312/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$9,882
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,189
−HK$312/mo
Today · 4.125%
HK$10,501
baseline
▲ 0.50% · 4.625%
HK$11,140
+HK$639/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$21,002/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,993
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,288
−HK$299/mo
Today · 4.125%
HK$11,587
baseline
▲ 0.50% · 4.625%
HK$12,198
+HK$611/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$23,174/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,529
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,887
−HK$365/mo
Today · 4.125%
HK$12,252
baseline
▲ 0.50% · 4.625%
HK$12,997
+HK$745/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,504/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,826
−HK$692/mo
▼ 0.25% · 3.875%
HK$13,170
−HK$348/mo
Today · 4.125%
HK$13,518
baseline
▲ 0.50% · 4.625%
HK$14,231
+HK$713/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,036/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,823
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,284
−HK$468/mo
Today · 4.125%
HK$15,752
baseline
▲ 0.50% · 4.625%
HK$16,711
+HK$959/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,504/mo (50% DSR)
Upfront cash ≈ HK$361K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,490
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,932
−HK$449/mo
Today · 4.125%
HK$17,381
baseline
▲ 0.50% · 4.625%
HK$18,297
+HK$916/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,762/mo (50% DSR)
Upfront cash ≈ HK$361K (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).