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$8,288
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,545
−HK$262/mo
Today · 4.125%
HK$8,807
baseline
▲ 0.50% · 4.625%
HK$9,343
+HK$536/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,614/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$9,220
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,467
−HK$251/mo
Today · 4.125%
HK$9,718
baseline
▲ 0.50% · 4.625%
HK$10,230
+HK$512/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,436/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$9,945
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,255
−HK$314/mo
Today · 4.125%
HK$10,569
baseline
▲ 0.50% · 4.625%
HK$11,212
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,138/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$11,064
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,361
−HK$301/mo
Today · 4.125%
HK$11,662
baseline
▲ 0.50% · 4.625%
HK$12,276
+HK$614/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,324/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$11,603
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,964
−HK$366/mo
Today · 4.125%
HK$12,330
baseline
▲ 0.50% · 4.625%
HK$13,081
+HK$751/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,660/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$12,908
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,254
−HK$351/mo
Today · 4.125%
HK$13,605
baseline
▲ 0.50% · 4.625%
HK$14,323
+HK$718/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,210/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$14,918
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,382
−HK$471/mo
Today · 4.125%
HK$15,853
baseline
▲ 0.50% · 4.625%
HK$16,818
+HK$965/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,706/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$16,596
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,041
−HK$452/mo
Today · 4.125%
HK$17,493
baseline
▲ 0.50% · 4.625%
HK$18,415
+HK$922/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,986/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).