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$8,258
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,515
−HK$261/mo
Today · 4.125%
HK$8,776
baseline
▲ 0.50% · 4.625%
HK$9,310
+HK$534/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,552/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$9,187
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,433
−HK$250/mo
Today · 4.125%
HK$9,683
baseline
▲ 0.50% · 4.625%
HK$10,194
+HK$511/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,366/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$9,910
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,218
−HK$313/mo
Today · 4.125%
HK$10,531
baseline
▲ 0.50% · 4.625%
HK$11,172
+HK$641/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,062/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$11,024
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,320
−HK$300/mo
Today · 4.125%
HK$11,620
baseline
▲ 0.50% · 4.625%
HK$12,232
+HK$612/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,240/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$11,561
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,921
−HK$365/mo
Today · 4.125%
HK$12,286
baseline
▲ 0.50% · 4.625%
HK$13,034
+HK$748/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,572/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$12,862
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,207
−HK$350/mo
Today · 4.125%
HK$13,557
baseline
▲ 0.50% · 4.625%
HK$14,271
+HK$714/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,114/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$14,864
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,327
−HK$470/mo
Today · 4.125%
HK$15,797
baseline
▲ 0.50% · 4.625%
HK$16,758
+HK$961/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$31,594/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$16,537
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,980
−HK$450/mo
Today · 4.125%
HK$17,430
baseline
▲ 0.50% · 4.625%
HK$18,349
+HK$919/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$34,860/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).