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$8,236
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,492
−HK$260/mo
Today · 4.125%
HK$8,752
baseline
▲ 0.50% · 4.625%
HK$9,284
+HK$532/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,504/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$9,162
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,408
−HK$249/mo
Today · 4.125%
HK$9,657
baseline
▲ 0.50% · 4.625%
HK$10,166
+HK$509/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,314/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$9,883
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,190
−HK$312/mo
Today · 4.125%
HK$10,502
baseline
▲ 0.50% · 4.625%
HK$11,141
+HK$639/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$21,004/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,994
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,289
−HK$299/mo
Today · 4.125%
HK$11,588
baseline
▲ 0.50% · 4.625%
HK$12,199
+HK$611/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$23,176/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,530
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,888
−HK$365/mo
Today · 4.125%
HK$12,253
baseline
▲ 0.50% · 4.625%
HK$12,998
+HK$745/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,506/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$12,827
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,171
−HK$349/mo
Today · 4.125%
HK$13,520
baseline
▲ 0.50% · 4.625%
HK$14,232
+HK$712/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,040/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$14,824
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,285
−HK$469/mo
Today · 4.125%
HK$15,754
baseline
▲ 0.50% · 4.625%
HK$16,712
+HK$958/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,508/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$16,491
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,934
−HK$448/mo
Today · 4.125%
HK$17,382
baseline
▲ 0.50% · 4.625%
HK$18,299
+HK$917/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,764/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).