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$8,270
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,527
−HK$262/mo
Today · 4.125%
HK$8,789
baseline
▲ 0.50% · 4.625%
HK$9,324
+HK$535/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,578/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$9,201
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,447
−HK$251/mo
Today · 4.125%
HK$9,698
baseline
▲ 0.50% · 4.625%
HK$10,209
+HK$511/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,396/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$9,924
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,233
−HK$314/mo
Today · 4.125%
HK$10,547
baseline
▲ 0.50% · 4.625%
HK$11,188
+HK$641/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,094/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$11,041
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,337
−HK$300/mo
Today · 4.125%
HK$11,637
baseline
▲ 0.50% · 4.625%
HK$12,251
+HK$614/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,274/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$11,578
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,938
−HK$366/mo
Today · 4.125%
HK$12,304
baseline
▲ 0.50% · 4.625%
HK$13,053
+HK$749/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,608/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$12,881
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,226
−HK$351/mo
Today · 4.125%
HK$13,577
baseline
▲ 0.50% · 4.625%
HK$14,292
+HK$715/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,154/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$14,886
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,349
−HK$471/mo
Today · 4.125%
HK$15,820
baseline
▲ 0.50% · 4.625%
HK$16,783
+HK$963/mo
Deposit HK$363K · loan HK$3.26M · min. income ≈ HK$31,640/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$16,561
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,005
−HK$451/mo
Today · 4.125%
HK$17,456
baseline
▲ 0.50% · 4.625%
HK$18,376
+HK$920/mo
Deposit HK$363K · loan HK$3.26M · min. income ≈ HK$34,912/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).