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$8,241
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,498
−HK$260/mo
Today · 4.125%
HK$8,758
baseline
▲ 0.50% · 4.625%
HK$9,291
+HK$533/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,516/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$9,168
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,414
−HK$250/mo
Today · 4.125%
HK$9,664
baseline
▲ 0.50% · 4.625%
HK$10,173
+HK$509/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,328/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$9,890
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,197
−HK$313/mo
Today · 4.125%
HK$10,510
baseline
▲ 0.50% · 4.625%
HK$11,149
+HK$639/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,020/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$11,002
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,297
−HK$299/mo
Today · 4.125%
HK$11,596
baseline
▲ 0.50% · 4.625%
HK$12,208
+HK$612/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,192/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$11,538
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,897
−HK$364/mo
Today · 4.125%
HK$12,261
baseline
▲ 0.50% · 4.625%
HK$13,007
+HK$746/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,522/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$12,836
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,180
−HK$349/mo
Today · 4.125%
HK$13,529
baseline
▲ 0.50% · 4.625%
HK$14,242
+HK$713/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,058/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$14,834
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,296
−HK$469/mo
Today · 4.125%
HK$15,765
baseline
▲ 0.50% · 4.625%
HK$16,724
+HK$959/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,530/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$16,503
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,946
−HK$449/mo
Today · 4.125%
HK$17,395
baseline
▲ 0.50% · 4.625%
HK$18,312
+HK$917/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,790/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).