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$8,271
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,528
−HK$262/mo
Today · 4.125%
HK$8,790
baseline
▲ 0.50% · 4.625%
HK$9,325
+HK$535/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,580/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$9,201
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,448
−HK$251/mo
Today · 4.125%
HK$9,699
baseline
▲ 0.50% · 4.625%
HK$10,210
+HK$511/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,398/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$9,925
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,234
−HK$314/mo
Today · 4.125%
HK$10,548
baseline
▲ 0.50% · 4.625%
HK$11,189
+HK$641/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,096/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$11,042
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,338
−HK$300/mo
Today · 4.125%
HK$11,638
baseline
▲ 0.50% · 4.625%
HK$12,252
+HK$614/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,276/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$11,579
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,940
−HK$366/mo
Today · 4.125%
HK$12,306
baseline
▲ 0.50% · 4.625%
HK$13,054
+HK$748/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,612/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$12,882
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,228
−HK$350/mo
Today · 4.125%
HK$13,578
baseline
▲ 0.50% · 4.625%
HK$14,294
+HK$716/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,156/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$14,888
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,351
−HK$470/mo
Today · 4.125%
HK$15,821
baseline
▲ 0.50% · 4.625%
HK$16,784
+HK$963/mo
Deposit HK$363K · loan HK$3.26M · min. income ≈ HK$31,642/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$16,563
−HK$894/mo
▼ 0.25% · 3.875%
HK$17,007
−HK$450/mo
Today · 4.125%
HK$17,457
baseline
▲ 0.50% · 4.625%
HK$18,378
+HK$921/mo
Deposit HK$363K · loan HK$3.26M · min. income ≈ HK$34,914/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).