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$8,277
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,534
−HK$262/mo
Today · 4.125%
HK$8,796
baseline
▲ 0.50% · 4.625%
HK$9,331
+HK$535/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,592/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,208
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,455
−HK$251/mo
Today · 4.125%
HK$9,706
baseline
▲ 0.50% · 4.625%
HK$10,217
+HK$511/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,412/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,932
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,241
−HK$314/mo
Today · 4.125%
HK$10,555
baseline
▲ 0.50% · 4.625%
HK$11,198
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,110/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$11,050
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,346
−HK$301/mo
Today · 4.125%
HK$11,647
baseline
▲ 0.50% · 4.625%
HK$12,261
+HK$614/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,294/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$11,588
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,948
−HK$366/mo
Today · 4.125%
HK$12,314
baseline
▲ 0.50% · 4.625%
HK$13,064
+HK$750/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,628/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$12,891
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,237
−HK$351/mo
Today · 4.125%
HK$13,588
baseline
▲ 0.50% · 4.625%
HK$14,304
+HK$716/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,176/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$14,899
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,362
−HK$471/mo
Today · 4.125%
HK$15,833
baseline
▲ 0.50% · 4.625%
HK$16,796
+HK$963/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,666/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$16,575
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,019
−HK$451/mo
Today · 4.125%
HK$17,470
baseline
▲ 0.50% · 4.625%
HK$18,391
+HK$921/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,940/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).