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$8,276
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,533
−HK$261/mo
Today · 4.125%
HK$8,794
baseline
▲ 0.50% · 4.625%
HK$9,330
+HK$536/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,588/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$9,206
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,453
−HK$251/mo
Today · 4.125%
HK$9,704
baseline
▲ 0.50% · 4.625%
HK$10,215
+HK$511/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,408/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$9,931
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,240
−HK$313/mo
Today · 4.125%
HK$10,553
baseline
▲ 0.50% · 4.625%
HK$11,196
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,106/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$11,048
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,344
−HK$301/mo
Today · 4.125%
HK$11,645
baseline
▲ 0.50% · 4.625%
HK$12,258
+HK$613/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,290/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$11,586
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,946
−HK$366/mo
Today · 4.125%
HK$12,312
baseline
▲ 0.50% · 4.625%
HK$13,061
+HK$749/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,624/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$12,889
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,235
−HK$350/mo
Today · 4.125%
HK$13,585
baseline
▲ 0.50% · 4.625%
HK$14,301
+HK$716/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,170/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$14,896
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,359
−HK$471/mo
Today · 4.125%
HK$15,830
baseline
▲ 0.50% · 4.625%
HK$16,793
+HK$963/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,660/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$16,572
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,016
−HK$451/mo
Today · 4.125%
HK$17,467
baseline
▲ 0.50% · 4.625%
HK$18,388
+HK$921/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,934/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).