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$8,286
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,544
−HK$262/mo
Today · 4.125%
HK$8,806
baseline
▲ 0.50% · 4.625%
HK$9,342
+HK$536/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,612/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$9,218
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,465
−HK$251/mo
Today · 4.125%
HK$9,716
baseline
▲ 0.50% · 4.625%
HK$10,228
+HK$512/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,432/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$9,943
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,253
−HK$314/mo
Today · 4.125%
HK$10,567
baseline
▲ 0.50% · 4.625%
HK$11,210
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,134/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$11,062
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,359
−HK$301/mo
Today · 4.125%
HK$11,660
baseline
▲ 0.50% · 4.625%
HK$12,274
+HK$614/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,320/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$11,601
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,961
−HK$367/mo
Today · 4.125%
HK$12,328
baseline
▲ 0.50% · 4.625%
HK$13,078
+HK$750/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,656/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$12,906
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,252
−HK$351/mo
Today · 4.125%
HK$13,603
baseline
▲ 0.50% · 4.625%
HK$14,320
+HK$717/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,206/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$14,915
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,379
−HK$471/mo
Today · 4.125%
HK$15,850
baseline
▲ 0.50% · 4.625%
HK$16,815
+HK$965/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,700/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$16,593
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,038
−HK$451/mo
Today · 4.125%
HK$17,489
baseline
▲ 0.50% · 4.625%
HK$18,411
+HK$922/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,978/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).