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$8,246
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,503
−HK$260/mo
Today · 4.125%
HK$8,763
baseline
▲ 0.50% · 4.625%
HK$9,296
+HK$533/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,526/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$9,174
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,420
−HK$249/mo
Today · 4.125%
HK$9,669
baseline
▲ 0.50% · 4.625%
HK$10,179
+HK$510/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,338/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$9,895
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,203
−HK$313/mo
Today · 4.125%
HK$10,516
baseline
▲ 0.50% · 4.625%
HK$11,156
+HK$640/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,032/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$11,008
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,304
−HK$299/mo
Today · 4.125%
HK$11,603
baseline
▲ 0.50% · 4.625%
HK$12,215
+HK$612/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,206/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$11,545
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,904
−HK$365/mo
Today · 4.125%
HK$12,269
baseline
▲ 0.50% · 4.625%
HK$13,015
+HK$746/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,538/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$12,843
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,188
−HK$349/mo
Today · 4.125%
HK$13,537
baseline
▲ 0.50% · 4.625%
HK$14,251
+HK$714/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,074/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$14,843
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,305
−HK$469/mo
Today · 4.125%
HK$15,774
baseline
▲ 0.50% · 4.625%
HK$16,734
+HK$960/mo
Deposit HK$362K · loan HK$3.25M · min. income ≈ HK$31,548/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$16,513
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,956
−HK$449/mo
Today · 4.125%
HK$17,405
baseline
▲ 0.50% · 4.625%
HK$18,322
+HK$917/mo
Deposit HK$362K · loan HK$3.25M · min. income ≈ HK$34,810/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).