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$8,264
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,521
−HK$261/mo
Today · 4.125%
HK$8,782
baseline
▲ 0.50% · 4.625%
HK$9,317
+HK$535/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,564/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$9,194
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,440
−HK$251/mo
Today · 4.125%
HK$9,691
baseline
▲ 0.50% · 4.625%
HK$10,201
+HK$510/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,382/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$9,917
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,226
−HK$313/mo
Today · 4.125%
HK$10,539
baseline
▲ 0.50% · 4.625%
HK$11,180
+HK$641/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,078/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$11,033
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,328
−HK$301/mo
Today · 4.125%
HK$11,629
baseline
▲ 0.50% · 4.625%
HK$12,242
+HK$613/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,258/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$11,570
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,930
−HK$365/mo
Today · 4.125%
HK$12,295
baseline
▲ 0.50% · 4.625%
HK$13,044
+HK$749/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,590/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$12,871
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,217
−HK$350/mo
Today · 4.125%
HK$13,567
baseline
▲ 0.50% · 4.625%
HK$14,282
+HK$715/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,134/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$14,876
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,338
−HK$470/mo
Today · 4.125%
HK$15,808
baseline
▲ 0.50% · 4.625%
HK$16,770
+HK$962/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$31,616/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$16,549
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,993
−HK$450/mo
Today · 4.125%
HK$17,443
baseline
▲ 0.50% · 4.625%
HK$18,362
+HK$919/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$34,886/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).