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$8,276
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,533
−HK$262/mo
Today · 4.125%
HK$8,795
baseline
▲ 0.50% · 4.625%
HK$9,330
+HK$535/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,590/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$9,207
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,454
−HK$250/mo
Today · 4.125%
HK$9,704
baseline
▲ 0.50% · 4.625%
HK$10,216
+HK$512/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,408/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$9,931
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,240
−HK$314/mo
Today · 4.125%
HK$10,554
baseline
▲ 0.50% · 4.625%
HK$11,196
+HK$642/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,108/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$11,048
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,345
−HK$300/mo
Today · 4.125%
HK$11,645
baseline
▲ 0.50% · 4.625%
HK$12,259
+HK$614/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,290/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$11,586
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,947
−HK$366/mo
Today · 4.125%
HK$12,313
baseline
▲ 0.50% · 4.625%
HK$13,062
+HK$749/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,626/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$12,890
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,235
−HK$351/mo
Today · 4.125%
HK$13,586
baseline
▲ 0.50% · 4.625%
HK$14,302
+HK$716/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,172/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$14,897
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,360
−HK$471/mo
Today · 4.125%
HK$15,831
baseline
▲ 0.50% · 4.625%
HK$16,794
+HK$963/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,662/mo (50% DSR)
Upfront cash ≈ HK$363K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,573
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,017
−HK$451/mo
Today · 4.125%
HK$17,468
baseline
▲ 0.50% · 4.625%
HK$18,389
+HK$921/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,936/mo (50% DSR)
Upfront cash ≈ HK$363K (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).