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$8,287
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,544
−HK$262/mo
Today · 4.125%
HK$8,806
baseline
▲ 0.50% · 4.625%
HK$9,342
+HK$536/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,612/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$9,219
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,466
−HK$251/mo
Today · 4.125%
HK$9,717
baseline
▲ 0.50% · 4.625%
HK$10,229
+HK$512/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,434/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$9,944
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,253
−HK$315/mo
Today · 4.125%
HK$10,568
baseline
▲ 0.50% · 4.625%
HK$11,211
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,136/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$11,063
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,359
−HK$301/mo
Today · 4.125%
HK$11,660
baseline
▲ 0.50% · 4.625%
HK$12,275
+HK$615/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,320/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$11,601
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,962
−HK$367/mo
Today · 4.125%
HK$12,329
baseline
▲ 0.50% · 4.625%
HK$13,079
+HK$750/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,658/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$12,906
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,252
−HK$352/mo
Today · 4.125%
HK$13,604
baseline
▲ 0.50% · 4.625%
HK$14,321
+HK$717/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,208/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$14,916
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,380
−HK$471/mo
Today · 4.125%
HK$15,851
baseline
▲ 0.50% · 4.625%
HK$16,816
+HK$965/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,702/mo (50% DSR)
Upfront cash ≈ HK$364K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,594
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,039
−HK$451/mo
Today · 4.125%
HK$17,490
baseline
▲ 0.50% · 4.625%
HK$18,412
+HK$922/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,980/mo (50% DSR)
Upfront cash ≈ HK$364K (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).