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$8,308
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,566
−HK$263/mo
Today · 4.125%
HK$8,829
baseline
▲ 0.50% · 4.625%
HK$9,366
+HK$537/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,658/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$9,242
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,490
−HK$252/mo
Today · 4.125%
HK$9,742
baseline
▲ 0.50% · 4.625%
HK$10,255
+HK$513/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,484/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$9,969
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,280
−HK$315/mo
Today · 4.125%
HK$10,595
baseline
▲ 0.50% · 4.625%
HK$11,239
+HK$644/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,190/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$11,091
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,388
−HK$302/mo
Today · 4.125%
HK$11,690
baseline
▲ 0.50% · 4.625%
HK$12,306
+HK$616/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,380/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$11,631
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,993
−HK$367/mo
Today · 4.125%
HK$12,360
baseline
▲ 0.50% · 4.625%
HK$13,112
+HK$752/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,720/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$12,939
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,286
−HK$352/mo
Today · 4.125%
HK$13,638
baseline
▲ 0.50% · 4.625%
HK$14,357
+HK$719/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,276/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$14,954
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,419
−HK$473/mo
Today · 4.125%
HK$15,892
baseline
▲ 0.50% · 4.625%
HK$16,859
+HK$967/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$31,784/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$16,636
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,083
−HK$452/mo
Today · 4.125%
HK$17,535
baseline
▲ 0.50% · 4.625%
HK$18,459
+HK$924/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$35,070/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).