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$8,321
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,580
−HK$263/mo
Today · 4.125%
HK$8,843
baseline
▲ 0.50% · 4.625%
HK$9,381
+HK$538/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,686/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$9,257
−HK$501/mo
▼ 0.25% · 3.875%
HK$9,506
−HK$252/mo
Today · 4.125%
HK$9,758
baseline
▲ 0.50% · 4.625%
HK$10,272
+HK$514/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,516/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$9,986
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,296
−HK$316/mo
Today · 4.125%
HK$10,612
baseline
▲ 0.50% · 4.625%
HK$11,258
+HK$646/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,224/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$11,109
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,407
−HK$302/mo
Today · 4.125%
HK$11,709
baseline
▲ 0.50% · 4.625%
HK$12,326
+HK$617/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,418/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$11,650
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,012
−HK$368/mo
Today · 4.125%
HK$12,380
baseline
▲ 0.50% · 4.625%
HK$13,134
+HK$754/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,760/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$12,960
−HK$701/mo
▼ 0.25% · 3.875%
HK$13,308
−HK$353/mo
Today · 4.125%
HK$13,661
baseline
▲ 0.50% · 4.625%
HK$14,381
+HK$720/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,322/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$14,978
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,444
−HK$474/mo
Today · 4.125%
HK$15,918
baseline
▲ 0.50% · 4.625%
HK$16,886
+HK$968/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$31,836/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$16,663
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,110
−HK$454/mo
Today · 4.125%
HK$17,564
baseline
▲ 0.50% · 4.625%
HK$18,489
+HK$925/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$35,128/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).