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$8,281
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,538
−HK$262/mo
Today · 4.125%
HK$8,800
baseline
▲ 0.50% · 4.625%
HK$9,336
+HK$536/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,600/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$9,212
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,459
−HK$251/mo
Today · 4.125%
HK$9,710
baseline
▲ 0.50% · 4.625%
HK$10,222
+HK$512/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,420/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$9,937
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,246
−HK$314/mo
Today · 4.125%
HK$10,560
baseline
▲ 0.50% · 4.625%
HK$11,203
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,120/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$11,055
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,351
−HK$301/mo
Today · 4.125%
HK$11,652
baseline
▲ 0.50% · 4.625%
HK$12,266
+HK$614/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,304/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$11,593
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,954
−HK$366/mo
Today · 4.125%
HK$12,320
baseline
▲ 0.50% · 4.625%
HK$13,070
+HK$750/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,640/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$12,897
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,243
−HK$351/mo
Today · 4.125%
HK$13,594
baseline
▲ 0.50% · 4.625%
HK$14,311
+HK$717/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,188/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$14,905
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,369
−HK$471/mo
Today · 4.125%
HK$15,840
baseline
▲ 0.50% · 4.625%
HK$16,804
+HK$964/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,680/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$16,582
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,027
−HK$451/mo
Today · 4.125%
HK$17,478
baseline
▲ 0.50% · 4.625%
HK$18,399
+HK$921/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,956/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).