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$8,255
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,511
−HK$261/mo
Today · 4.125%
HK$8,772
baseline
▲ 0.50% · 4.625%
HK$9,306
+HK$534/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,544/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$9,183
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,429
−HK$250/mo
Today · 4.125%
HK$9,679
baseline
▲ 0.50% · 4.625%
HK$10,190
+HK$511/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,358/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$9,906
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,214
−HK$313/mo
Today · 4.125%
HK$10,527
baseline
▲ 0.50% · 4.625%
HK$11,167
+HK$640/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,054/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$11,020
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,315
−HK$300/mo
Today · 4.125%
HK$11,615
baseline
▲ 0.50% · 4.625%
HK$12,227
+HK$612/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,230/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$11,557
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,916
−HK$365/mo
Today · 4.125%
HK$12,281
baseline
▲ 0.50% · 4.625%
HK$13,028
+HK$747/mo
Deposit HK$1.09M · loan HK$2.53M · min. income ≈ HK$24,562/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$12,856
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,201
−HK$350/mo
Today · 4.125%
HK$13,551
baseline
▲ 0.50% · 4.625%
HK$14,265
+HK$714/mo
Deposit HK$1.09M · loan HK$2.53M · min. income ≈ HK$27,102/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$14,858
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,321
−HK$469/mo
Today · 4.125%
HK$15,790
baseline
▲ 0.50% · 4.625%
HK$16,751
+HK$961/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$31,580/mo (50% DSR)
Upfront cash ≈ HK$362K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,530
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,973
−HK$450/mo
Today · 4.125%
HK$17,423
baseline
▲ 0.50% · 4.625%
HK$18,341
+HK$918/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$34,846/mo (50% DSR)
Upfront cash ≈ HK$362K (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).