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$8,274
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,531
−HK$262/mo
Today · 4.125%
HK$8,793
baseline
▲ 0.50% · 4.625%
HK$9,328
+HK$535/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,586/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$9,205
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,452
−HK$250/mo
Today · 4.125%
HK$9,702
baseline
▲ 0.50% · 4.625%
HK$10,214
+HK$512/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,404/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$9,929
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,238
−HK$313/mo
Today · 4.125%
HK$10,551
baseline
▲ 0.50% · 4.625%
HK$11,194
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,102/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$11,046
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,342
−HK$301/mo
Today · 4.125%
HK$11,643
baseline
▲ 0.50% · 4.625%
HK$12,256
+HK$613/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,286/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$11,584
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,944
−HK$366/mo
Today · 4.125%
HK$12,310
baseline
▲ 0.50% · 4.625%
HK$13,059
+HK$749/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,620/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$12,887
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,232
−HK$351/mo
Today · 4.125%
HK$13,583
baseline
▲ 0.50% · 4.625%
HK$14,299
+HK$716/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,166/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$14,893
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,357
−HK$470/mo
Today · 4.125%
HK$15,827
baseline
▲ 0.50% · 4.625%
HK$16,790
+HK$963/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,654/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$16,569
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,013
−HK$451/mo
Today · 4.125%
HK$17,464
baseline
▲ 0.50% · 4.625%
HK$18,384
+HK$920/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,928/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).