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$8,311
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,569
−HK$263/mo
Today · 4.125%
HK$8,832
baseline
▲ 0.50% · 4.625%
HK$9,369
+HK$537/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,664/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$9,246
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,494
−HK$251/mo
Today · 4.125%
HK$9,745
baseline
▲ 0.50% · 4.625%
HK$10,259
+HK$514/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,490/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$9,973
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,283
−HK$315/mo
Today · 4.125%
HK$10,598
baseline
▲ 0.50% · 4.625%
HK$11,243
+HK$645/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,196/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,095
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,392
−HK$302/mo
Today · 4.125%
HK$11,694
baseline
▲ 0.50% · 4.625%
HK$12,311
+HK$617/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,388/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,635
−HK$730/mo
▼ 0.25% · 3.875%
HK$11,997
−HK$368/mo
Today · 4.125%
HK$12,365
baseline
▲ 0.50% · 4.625%
HK$13,117
+HK$752/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,730/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$12,944
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,291
−HK$352/mo
Today · 4.125%
HK$13,643
baseline
▲ 0.50% · 4.625%
HK$14,363
+HK$720/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,286/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$14,960
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,425
−HK$473/mo
Today · 4.125%
HK$15,898
baseline
▲ 0.50% · 4.625%
HK$16,865
+HK$967/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$31,796/mo (50% DSR)
Upfront cash ≈ HK$365K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,642
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,089
−HK$453/mo
Today · 4.125%
HK$17,542
baseline
▲ 0.50% · 4.625%
HK$18,466
+HK$924/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$35,084/mo (50% DSR)
Upfront cash ≈ HK$365K (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).