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$8,269
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,526
−HK$261/mo
Today · 4.125%
HK$8,787
baseline
▲ 0.50% · 4.625%
HK$9,322
+HK$535/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,574/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$9,199
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,446
−HK$250/mo
Today · 4.125%
HK$9,696
baseline
▲ 0.50% · 4.625%
HK$10,207
+HK$511/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,392/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$9,923
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,231
−HK$314/mo
Today · 4.125%
HK$10,545
baseline
▲ 0.50% · 4.625%
HK$11,187
+HK$642/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,090/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$11,039
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,335
−HK$300/mo
Today · 4.125%
HK$11,635
baseline
▲ 0.50% · 4.625%
HK$12,249
+HK$614/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,270/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$11,576
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,937
−HK$365/mo
Today · 4.125%
HK$12,302
baseline
▲ 0.50% · 4.625%
HK$13,051
+HK$749/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,604/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$12,879
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,224
−HK$350/mo
Today · 4.125%
HK$13,574
baseline
▲ 0.50% · 4.625%
HK$14,290
+HK$716/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,148/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$14,884
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,347
−HK$470/mo
Today · 4.125%
HK$15,817
baseline
▲ 0.50% · 4.625%
HK$16,780
+HK$963/mo
Deposit HK$363K · loan HK$3.26M · min. income ≈ HK$31,634/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$16,558
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,002
−HK$451/mo
Today · 4.125%
HK$17,453
baseline
▲ 0.50% · 4.625%
HK$18,373
+HK$920/mo
Deposit HK$363K · loan HK$3.26M · min. income ≈ HK$34,906/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).