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$8,243
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,500
−HK$260/mo
Today · 4.125%
HK$8,760
baseline
▲ 0.50% · 4.625%
HK$9,293
+HK$533/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,520/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$9,171
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,417
−HK$249/mo
Today · 4.125%
HK$9,666
baseline
▲ 0.50% · 4.625%
HK$10,176
+HK$510/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,332/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$9,892
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,200
−HK$312/mo
Today · 4.125%
HK$10,512
baseline
▲ 0.50% · 4.625%
HK$11,152
+HK$640/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,024/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$11,005
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,300
−HK$299/mo
Today · 4.125%
HK$11,599
baseline
▲ 0.50% · 4.625%
HK$12,211
+HK$612/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,198/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$11,541
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,900
−HK$364/mo
Today · 4.125%
HK$12,264
baseline
▲ 0.50% · 4.625%
HK$13,011
+HK$747/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,528/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,839
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,183
−HK$349/mo
Today · 4.125%
HK$13,532
baseline
▲ 0.50% · 4.625%
HK$14,246
+HK$714/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,064/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,838
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,299
−HK$469/mo
Today · 4.125%
HK$15,768
baseline
▲ 0.50% · 4.625%
HK$16,728
+HK$960/mo
Deposit HK$362K · loan HK$3.25M · min. income ≈ HK$31,536/mo (50% DSR)
Upfront cash ≈ HK$362K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,507
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,950
−HK$449/mo
Today · 4.125%
HK$17,399
baseline
▲ 0.50% · 4.625%
HK$18,316
+HK$917/mo
Deposit HK$362K · loan HK$3.25M · min. income ≈ HK$34,798/mo (50% DSR)
Upfront cash ≈ HK$362K (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).