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$8,243
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,499
−HK$261/mo
Today · 4.125%
HK$8,760
baseline
▲ 0.50% · 4.625%
HK$9,293
+HK$533/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,520/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$9,170
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,416
−HK$250/mo
Today · 4.125%
HK$9,666
baseline
▲ 0.50% · 4.625%
HK$10,175
+HK$509/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,332/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$9,892
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,199
−HK$313/mo
Today · 4.125%
HK$10,512
baseline
▲ 0.50% · 4.625%
HK$11,152
+HK$640/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,024/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$11,004
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,299
−HK$300/mo
Today · 4.125%
HK$11,599
baseline
▲ 0.50% · 4.625%
HK$12,210
+HK$611/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,198/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$11,540
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,899
−HK$365/mo
Today · 4.125%
HK$12,264
baseline
▲ 0.50% · 4.625%
HK$13,010
+HK$746/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,528/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$12,838
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,183
−HK$349/mo
Today · 4.125%
HK$13,532
baseline
▲ 0.50% · 4.625%
HK$14,245
+HK$713/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,064/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$14,837
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,299
−HK$469/mo
Today · 4.125%
HK$15,768
baseline
▲ 0.50% · 4.625%
HK$16,727
+HK$959/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,536/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$16,506
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,949
−HK$449/mo
Today · 4.125%
HK$17,398
baseline
▲ 0.50% · 4.625%
HK$18,315
+HK$917/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,796/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).