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$8,239
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,495
−HK$260/mo
Today · 4.125%
HK$8,755
baseline
▲ 0.50% · 4.625%
HK$9,288
+HK$533/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,510/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$9,165
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,411
−HK$250/mo
Today · 4.125%
HK$9,661
baseline
▲ 0.50% · 4.625%
HK$10,170
+HK$509/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,322/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$9,886
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,194
−HK$312/mo
Today · 4.125%
HK$10,506
baseline
▲ 0.50% · 4.625%
HK$11,146
+HK$640/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,012/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$10,998
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,293
−HK$300/mo
Today · 4.125%
HK$11,593
baseline
▲ 0.50% · 4.625%
HK$12,204
+HK$611/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,186/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$11,534
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,893
−HK$364/mo
Today · 4.125%
HK$12,257
baseline
▲ 0.50% · 4.625%
HK$13,003
+HK$746/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,514/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$12,831
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,176
−HK$349/mo
Today · 4.125%
HK$13,525
baseline
▲ 0.50% · 4.625%
HK$14,238
+HK$713/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,050/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$14,829
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,291
−HK$468/mo
Today · 4.125%
HK$15,759
baseline
▲ 0.50% · 4.625%
HK$16,718
+HK$959/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,518/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$16,498
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,940
−HK$449/mo
Today · 4.125%
HK$17,389
baseline
▲ 0.50% · 4.625%
HK$18,306
+HK$917/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,778/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).