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$8,317
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,576
−HK$263/mo
Today · 4.125%
HK$8,839
baseline
▲ 0.50% · 4.625%
HK$9,376
+HK$537/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,678/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$9,253
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,501
−HK$251/mo
Today · 4.125%
HK$9,752
baseline
▲ 0.50% · 4.625%
HK$10,267
+HK$515/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,504/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$9,980
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,291
−HK$315/mo
Today · 4.125%
HK$10,606
baseline
▲ 0.50% · 4.625%
HK$11,252
+HK$646/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,212/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,103
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,401
−HK$302/mo
Today · 4.125%
HK$11,703
baseline
▲ 0.50% · 4.625%
HK$12,320
+HK$617/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,406/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,644
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,006
−HK$368/mo
Today · 4.125%
HK$12,374
baseline
▲ 0.50% · 4.625%
HK$13,127
+HK$753/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,748/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$12,954
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,301
−HK$352/mo
Today · 4.125%
HK$13,653
baseline
▲ 0.50% · 4.625%
HK$14,373
+HK$720/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,306/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$14,971
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,436
−HK$473/mo
Today · 4.125%
HK$15,909
baseline
▲ 0.50% · 4.625%
HK$16,877
+HK$968/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$31,818/mo (50% DSR)
Upfront cash ≈ HK$365K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,655
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,101
−HK$453/mo
Today · 4.125%
HK$17,554
baseline
▲ 0.50% · 4.625%
HK$18,480
+HK$926/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$35,108/mo (50% DSR)
Upfront cash ≈ HK$365K (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).