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$8,252
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,509
−HK$260/mo
Today · 4.125%
HK$8,769
baseline
▲ 0.50% · 4.625%
HK$9,303
+HK$534/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,538/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$9,180
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,426
−HK$250/mo
Today · 4.125%
HK$9,676
baseline
▲ 0.50% · 4.625%
HK$10,186
+HK$510/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,352/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$9,902
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,210
−HK$313/mo
Today · 4.125%
HK$10,523
baseline
▲ 0.50% · 4.625%
HK$11,164
+HK$641/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,046/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$11,016
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,312
−HK$299/mo
Today · 4.125%
HK$11,611
baseline
▲ 0.50% · 4.625%
HK$12,223
+HK$612/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,222/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$11,553
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,912
−HK$365/mo
Today · 4.125%
HK$12,277
baseline
▲ 0.50% · 4.625%
HK$13,024
+HK$747/mo
Deposit HK$1.09M · loan HK$2.53M · min. income ≈ HK$24,554/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$12,852
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,197
−HK$350/mo
Today · 4.125%
HK$13,547
baseline
▲ 0.50% · 4.625%
HK$14,261
+HK$714/mo
Deposit HK$1.09M · loan HK$2.53M · min. income ≈ HK$27,094/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$14,853
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,315
−HK$470/mo
Today · 4.125%
HK$15,785
baseline
▲ 0.50% · 4.625%
HK$16,745
+HK$960/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$31,570/mo (50% DSR)
Upfront cash ≈ HK$362K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,524
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,967
−HK$450/mo
Today · 4.125%
HK$17,417
baseline
▲ 0.50% · 4.625%
HK$18,335
+HK$918/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$34,834/mo (50% DSR)
Upfront cash ≈ HK$362K (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).