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$8,299
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,557
−HK$262/mo
Today · 4.125%
HK$8,819
baseline
▲ 0.50% · 4.625%
HK$9,356
+HK$537/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,638/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$9,232
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,480
−HK$251/mo
Today · 4.125%
HK$9,731
baseline
▲ 0.50% · 4.625%
HK$10,244
+HK$513/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,462/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$9,958
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,268
−HK$315/mo
Today · 4.125%
HK$10,583
baseline
▲ 0.50% · 4.625%
HK$11,227
+HK$644/mo
Deposit HK$1.46M · loan HK$2.18M · min. income ≈ HK$21,166/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$11,078
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,376
−HK$301/mo
Today · 4.125%
HK$11,677
baseline
▲ 0.50% · 4.625%
HK$12,292
+HK$615/mo
Deposit HK$1.46M · loan HK$2.18M · min. income ≈ HK$23,354/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$11,618
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,979
−HK$367/mo
Today · 4.125%
HK$12,346
baseline
▲ 0.50% · 4.625%
HK$13,098
+HK$752/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,692/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$12,925
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,271
−HK$352/mo
Today · 4.125%
HK$13,623
baseline
▲ 0.50% · 4.625%
HK$14,341
+HK$718/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,246/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$14,937
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,402
−HK$472/mo
Today · 4.125%
HK$15,874
baseline
▲ 0.50% · 4.625%
HK$16,840
+HK$966/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$31,748/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$16,618
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,063
−HK$452/mo
Today · 4.125%
HK$17,515
baseline
▲ 0.50% · 4.625%
HK$18,439
+HK$924/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$35,030/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).