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$8,272
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,530
−HK$261/mo
Today · 4.125%
HK$8,791
baseline
▲ 0.50% · 4.625%
HK$9,326
+HK$535/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,582/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$9,203
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,450
−HK$250/mo
Today · 4.125%
HK$9,700
baseline
▲ 0.50% · 4.625%
HK$10,212
+HK$512/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,400/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$9,927
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,236
−HK$313/mo
Today · 4.125%
HK$10,549
baseline
▲ 0.50% · 4.625%
HK$11,191
+HK$642/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,098/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$11,044
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,340
−HK$300/mo
Today · 4.125%
HK$11,640
baseline
▲ 0.50% · 4.625%
HK$12,254
+HK$614/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,280/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$11,581
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,942
−HK$366/mo
Today · 4.125%
HK$12,308
baseline
▲ 0.50% · 4.625%
HK$13,057
+HK$749/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,616/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$12,884
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,230
−HK$350/mo
Today · 4.125%
HK$13,580
baseline
▲ 0.50% · 4.625%
HK$14,296
+HK$716/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,160/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$14,890
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,354
−HK$470/mo
Today · 4.125%
HK$15,824
baseline
▲ 0.50% · 4.625%
HK$16,787
+HK$963/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,648/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$16,565
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,010
−HK$450/mo
Today · 4.125%
HK$17,460
baseline
▲ 0.50% · 4.625%
HK$18,381
+HK$921/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,920/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).