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$8,254
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,511
−HK$261/mo
Today · 4.125%
HK$8,772
baseline
▲ 0.50% · 4.625%
HK$9,306
+HK$534/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,544/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$9,183
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,429
−HK$250/mo
Today · 4.125%
HK$9,679
baseline
▲ 0.50% · 4.625%
HK$10,189
+HK$510/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,358/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$9,905
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,213
−HK$313/mo
Today · 4.125%
HK$10,526
baseline
▲ 0.50% · 4.625%
HK$11,167
+HK$641/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,052/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$11,019
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,315
−HK$300/mo
Today · 4.125%
HK$11,615
baseline
▲ 0.50% · 4.625%
HK$12,227
+HK$612/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,230/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$11,556
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,915
−HK$366/mo
Today · 4.125%
HK$12,281
baseline
▲ 0.50% · 4.625%
HK$13,028
+HK$747/mo
Deposit HK$1.09M · loan HK$2.53M · min. income ≈ HK$24,562/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$12,856
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,201
−HK$350/mo
Today · 4.125%
HK$13,551
baseline
▲ 0.50% · 4.625%
HK$14,265
+HK$714/mo
Deposit HK$1.09M · loan HK$2.53M · min. income ≈ HK$27,102/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$14,858
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,320
−HK$469/mo
Today · 4.125%
HK$15,789
baseline
▲ 0.50% · 4.625%
HK$16,750
+HK$961/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$31,578/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$16,529
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,972
−HK$450/mo
Today · 4.125%
HK$17,422
baseline
▲ 0.50% · 4.625%
HK$18,340
+HK$918/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$34,844/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).