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$8,293
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,551
−HK$262/mo
Today · 4.125%
HK$8,813
baseline
▲ 0.50% · 4.625%
HK$9,349
+HK$536/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,626/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$9,226
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,473
−HK$251/mo
Today · 4.125%
HK$9,724
baseline
▲ 0.50% · 4.625%
HK$10,237
+HK$513/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,448/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$9,952
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,261
−HK$315/mo
Today · 4.125%
HK$10,576
baseline
▲ 0.50% · 4.625%
HK$11,219
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,152/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$11,071
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,368
−HK$301/mo
Today · 4.125%
HK$11,669
baseline
▲ 0.50% · 4.625%
HK$12,284
+HK$615/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,338/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$11,610
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,971
−HK$367/mo
Today · 4.125%
HK$12,338
baseline
▲ 0.50% · 4.625%
HK$13,089
+HK$751/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,676/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$12,916
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,263
−HK$351/mo
Today · 4.125%
HK$13,614
baseline
▲ 0.50% · 4.625%
HK$14,332
+HK$718/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,228/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$14,927
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,392
−HK$471/mo
Today · 4.125%
HK$15,863
baseline
▲ 0.50% · 4.625%
HK$16,829
+HK$966/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$31,726/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$16,607
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,052
−HK$452/mo
Today · 4.125%
HK$17,504
baseline
▲ 0.50% · 4.625%
HK$18,426
+HK$922/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$35,008/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).