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$8,497
−HK$261/mo
Today · 4.125%
HK$8,758
baseline
▲ 0.50% · 4.625%
HK$9,290
+HK$532/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$495/mo
▼ 0.25% · 3.875%
HK$9,414
−HK$249/mo
Today · 4.125%
HK$9,663
baseline
▲ 0.50% · 4.625%
HK$10,172
+HK$509/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,326/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$9,889
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,196
−HK$313/mo
Today · 4.125%
HK$10,509
baseline
▲ 0.50% · 4.625%
HK$11,148
+HK$639/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,018/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$11,001
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,296
−HK$300/mo
Today · 4.125%
HK$11,596
baseline
▲ 0.50% · 4.625%
HK$12,207
+HK$611/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$11,537
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,896
−HK$365/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$12,835
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,179
−HK$349/mo
Today · 4.125%
HK$13,528
baseline
▲ 0.50% · 4.625%
HK$14,241
+HK$713/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,056/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$14,833
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,295
−HK$469/mo
Today · 4.125%
HK$15,764
baseline
▲ 0.50% · 4.625%
HK$16,723
+HK$959/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,528/mo (50% DSR)
Upfront cash ≈ HK$361K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,502
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,945
−HK$448/mo
Today · 4.125%
HK$17,393
baseline
▲ 0.50% · 4.625%
HK$18,310
+HK$917/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,786/mo (50% DSR)
Upfront cash ≈ HK$361K (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).