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$8,278
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,536
−HK$262/mo
Today · 4.125%
HK$8,798
baseline
▲ 0.50% · 4.625%
HK$9,333
+HK$535/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,596/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$9,210
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,457
−HK$250/mo
Today · 4.125%
HK$9,707
baseline
▲ 0.50% · 4.625%
HK$10,219
+HK$512/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,414/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$9,934
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,243
−HK$314/mo
Today · 4.125%
HK$10,557
baseline
▲ 0.50% · 4.625%
HK$11,200
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,114/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$11,052
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,348
−HK$301/mo
Today · 4.125%
HK$11,649
baseline
▲ 0.50% · 4.625%
HK$12,263
+HK$614/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,298/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$11,590
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,950
−HK$367/mo
Today · 4.125%
HK$12,317
baseline
▲ 0.50% · 4.625%
HK$13,066
+HK$749/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,634/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$12,894
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,239
−HK$351/mo
Today · 4.125%
HK$13,590
baseline
▲ 0.50% · 4.625%
HK$14,307
+HK$717/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,180/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$14,901
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,365
−HK$471/mo
Today · 4.125%
HK$15,836
baseline
▲ 0.50% · 4.625%
HK$16,799
+HK$963/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,672/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$16,578
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,022
−HK$451/mo
Today · 4.125%
HK$17,473
baseline
▲ 0.50% · 4.625%
HK$18,394
+HK$921/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,946/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).