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$8,272
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,529
−HK$261/mo
Today · 4.125%
HK$8,790
baseline
▲ 0.50% · 4.625%
HK$9,325
+HK$535/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,580/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$9,202
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,449
−HK$250/mo
Today · 4.125%
HK$9,699
baseline
▲ 0.50% · 4.625%
HK$10,211
+HK$512/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,398/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$9,926
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,235
−HK$314/mo
Today · 4.125%
HK$10,549
baseline
▲ 0.50% · 4.625%
HK$11,190
+HK$641/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,098/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$11,043
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,339
−HK$300/mo
Today · 4.125%
HK$11,639
baseline
▲ 0.50% · 4.625%
HK$12,253
+HK$614/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,278/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$11,580
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,941
−HK$366/mo
Today · 4.125%
HK$12,307
baseline
▲ 0.50% · 4.625%
HK$13,055
+HK$748/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,614/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$12,883
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,229
−HK$350/mo
Today · 4.125%
HK$13,579
baseline
▲ 0.50% · 4.625%
HK$14,295
+HK$716/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,158/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$14,889
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,352
−HK$471/mo
Today · 4.125%
HK$15,823
baseline
▲ 0.50% · 4.625%
HK$16,786
+HK$963/mo
Deposit HK$363K · loan HK$3.26M · min. income ≈ HK$31,646/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$16,564
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,008
−HK$451/mo
Today · 4.125%
HK$17,459
baseline
▲ 0.50% · 4.625%
HK$18,379
+HK$920/mo
Deposit HK$363K · loan HK$3.26M · min. income ≈ HK$34,918/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).