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$8,240
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,496
−HK$261/mo
Today · 4.125%
HK$8,757
baseline
▲ 0.50% · 4.625%
HK$9,289
+HK$532/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,514/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$9,167
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,413
−HK$249/mo
Today · 4.125%
HK$9,662
baseline
▲ 0.50% · 4.625%
HK$10,171
+HK$509/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,324/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$9,888
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,195
−HK$313/mo
Today · 4.125%
HK$10,508
baseline
▲ 0.50% · 4.625%
HK$11,147
+HK$639/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,016/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$11,000
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,295
−HK$300/mo
Today · 4.125%
HK$11,595
baseline
▲ 0.50% · 4.625%
HK$12,206
+HK$611/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,190/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$11,536
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,895
−HK$364/mo
Today · 4.125%
HK$12,259
baseline
▲ 0.50% · 4.625%
HK$13,005
+HK$746/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,518/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,834
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,178
−HK$349/mo
Today · 4.125%
HK$13,527
baseline
▲ 0.50% · 4.625%
HK$14,240
+HK$713/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,054/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,832
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,293
−HK$469/mo
Today · 4.125%
HK$15,762
baseline
▲ 0.50% · 4.625%
HK$16,721
+HK$959/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,524/mo (50% DSR)
Upfront cash ≈ HK$361K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,500
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,943
−HK$449/mo
Today · 4.125%
HK$17,392
baseline
▲ 0.50% · 4.625%
HK$18,309
+HK$917/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,784/mo (50% DSR)
Upfront cash ≈ HK$361K (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).