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$8,290
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,548
−HK$262/mo
Today · 4.125%
HK$8,810
baseline
▲ 0.50% · 4.625%
HK$9,346
+HK$536/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,620/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,222
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,470
−HK$251/mo
Today · 4.125%
HK$9,721
baseline
▲ 0.50% · 4.625%
HK$10,233
+HK$512/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,442/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,948
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,257
−HK$315/mo
Today · 4.125%
HK$10,572
baseline
▲ 0.50% · 4.625%
HK$11,215
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,144/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$11,067
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,364
−HK$301/mo
Today · 4.125%
HK$11,665
baseline
▲ 0.50% · 4.625%
HK$12,280
+HK$615/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,330/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$11,606
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,967
−HK$367/mo
Today · 4.125%
HK$12,334
baseline
▲ 0.50% · 4.625%
HK$13,084
+HK$750/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,668/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$12,911
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,258
−HK$351/mo
Today · 4.125%
HK$13,609
baseline
▲ 0.50% · 4.625%
HK$14,326
+HK$717/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,218/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$14,922
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,386
−HK$472/mo
Today · 4.125%
HK$15,858
baseline
▲ 0.50% · 4.625%
HK$16,822
+HK$964/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$31,716/mo (50% DSR)
Upfront cash ≈ HK$364K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,600
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,046
−HK$451/mo
Today · 4.125%
HK$17,497
baseline
▲ 0.50% · 4.625%
HK$18,419
+HK$922/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$34,994/mo (50% DSR)
Upfront cash ≈ HK$364K (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).