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$8,263
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,520
−HK$261/mo
Today · 4.125%
HK$8,781
baseline
▲ 0.50% · 4.625%
HK$9,316
+HK$535/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,562/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$9,193
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,439
−HK$250/mo
Today · 4.125%
HK$9,689
baseline
▲ 0.50% · 4.625%
HK$10,200
+HK$511/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,378/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$9,916
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,224
−HK$314/mo
Today · 4.125%
HK$10,538
baseline
▲ 0.50% · 4.625%
HK$11,179
+HK$641/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,076/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$11,031
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,327
−HK$300/mo
Today · 4.125%
HK$11,627
baseline
▲ 0.50% · 4.625%
HK$12,240
+HK$613/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,254/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$11,569
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,928
−HK$366/mo
Today · 4.125%
HK$12,294
baseline
▲ 0.50% · 4.625%
HK$13,042
+HK$748/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,588/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$12,870
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,215
−HK$350/mo
Today · 4.125%
HK$13,565
baseline
▲ 0.50% · 4.625%
HK$14,280
+HK$715/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,130/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$14,874
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,336
−HK$471/mo
Today · 4.125%
HK$15,807
baseline
▲ 0.50% · 4.625%
HK$16,768
+HK$961/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$31,614/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$16,547
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,991
−HK$450/mo
Today · 4.125%
HK$17,441
baseline
▲ 0.50% · 4.625%
HK$18,360
+HK$919/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$34,882/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).