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$519/mo
▼ 0.25% · 3.875%
HK$8,535
−HK$262/mo
Today · 4.125%
HK$8,797
baseline
▲ 0.50% · 4.625%
HK$9,332
+HK$535/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,594/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$9,209
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,456
−HK$251/mo
Today · 4.125%
HK$9,707
baseline
▲ 0.50% · 4.625%
HK$10,218
+HK$511/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$9,933
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,242
−HK$314/mo
Today · 4.125%
HK$10,556
baseline
▲ 0.50% · 4.625%
HK$11,199
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,112/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$11,051
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,347
−HK$301/mo
Today · 4.125%
HK$11,648
baseline
▲ 0.50% · 4.625%
HK$12,262
+HK$614/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,296/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$11,589
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,949
−HK$367/mo
Today · 4.125%
HK$12,316
baseline
▲ 0.50% · 4.625%
HK$13,065
+HK$749/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,632/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$12,893
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,238
−HK$351/mo
Today · 4.125%
HK$13,589
baseline
▲ 0.50% · 4.625%
HK$14,305
+HK$716/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,178/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$14,900
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,364
−HK$470/mo
Today · 4.125%
HK$15,834
baseline
▲ 0.50% · 4.625%
HK$16,798
+HK$964/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,668/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$16,576
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,021
−HK$451/mo
Today · 4.125%
HK$17,472
baseline
▲ 0.50% · 4.625%
HK$18,393
+HK$921/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,944/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).