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$8,304
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,562
−HK$263/mo
Today · 4.125%
HK$8,825
baseline
▲ 0.50% · 4.625%
HK$9,362
+HK$537/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,650/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,238
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,486
−HK$251/mo
Today · 4.125%
HK$9,737
baseline
▲ 0.50% · 4.625%
HK$10,250
+HK$513/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,474/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,965
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,275
−HK$314/mo
Today · 4.125%
HK$10,589
baseline
▲ 0.50% · 4.625%
HK$11,234
+HK$645/mo
Deposit HK$1.46M · loan HK$2.18M · min. income ≈ HK$21,178/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,086
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,383
−HK$301/mo
Today · 4.125%
HK$11,684
baseline
▲ 0.50% · 4.625%
HK$12,300
+HK$616/mo
Deposit HK$1.46M · loan HK$2.18M · min. income ≈ HK$23,368/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,625
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,987
−HK$367/mo
Today · 4.125%
HK$12,354
baseline
▲ 0.50% · 4.625%
HK$13,106
+HK$752/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,708/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$12,933
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,280
−HK$352/mo
Today · 4.125%
HK$13,632
baseline
▲ 0.50% · 4.625%
HK$14,350
+HK$718/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,264/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$14,947
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,412
−HK$472/mo
Today · 4.125%
HK$15,884
baseline
▲ 0.50% · 4.625%
HK$16,851
+HK$967/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$31,768/mo (50% DSR)
Upfront cash ≈ HK$364K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,628
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,074
−HK$453/mo
Today · 4.125%
HK$17,527
baseline
▲ 0.50% · 4.625%
HK$18,451
+HK$924/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$35,054/mo (50% DSR)
Upfront cash ≈ HK$364K (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).