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$8,266
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,523
−HK$262/mo
Today · 4.125%
HK$8,785
baseline
▲ 0.50% · 4.625%
HK$9,319
+HK$534/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,570/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$9,196
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,443
−HK$250/mo
Today · 4.125%
HK$9,693
baseline
▲ 0.50% · 4.625%
HK$10,204
+HK$511/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,386/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$9,920
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,228
−HK$314/mo
Today · 4.125%
HK$10,542
baseline
▲ 0.50% · 4.625%
HK$11,183
+HK$641/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,084/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$11,035
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,331
−HK$301/mo
Today · 4.125%
HK$11,632
baseline
▲ 0.50% · 4.625%
HK$12,245
+HK$613/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,264/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$11,573
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,933
−HK$366/mo
Today · 4.125%
HK$12,299
baseline
▲ 0.50% · 4.625%
HK$13,047
+HK$748/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,598/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$12,875
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,220
−HK$350/mo
Today · 4.125%
HK$13,570
baseline
▲ 0.50% · 4.625%
HK$14,285
+HK$715/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,140/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$14,879
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,342
−HK$470/mo
Today · 4.125%
HK$15,812
baseline
▲ 0.50% · 4.625%
HK$16,775
+HK$963/mo
Deposit HK$363K · loan HK$3.26M · min. income ≈ HK$31,624/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$16,553
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,997
−HK$450/mo
Today · 4.125%
HK$17,447
baseline
▲ 0.50% · 4.625%
HK$18,367
+HK$920/mo
Deposit HK$363K · loan HK$3.26M · min. income ≈ HK$34,894/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).