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$8,297
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,556
−HK$262/mo
Today · 4.125%
HK$8,818
baseline
▲ 0.50% · 4.625%
HK$9,354
+HK$536/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,636/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$9,231
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,478
−HK$252/mo
Today · 4.125%
HK$9,730
baseline
▲ 0.50% · 4.625%
HK$10,242
+HK$512/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,460/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$9,957
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,267
−HK$314/mo
Today · 4.125%
HK$10,581
baseline
▲ 0.50% · 4.625%
HK$11,225
+HK$644/mo
Deposit HK$1.46M · loan HK$2.18M · min. income ≈ HK$21,162/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$11,077
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,374
−HK$302/mo
Today · 4.125%
HK$11,676
baseline
▲ 0.50% · 4.625%
HK$12,291
+HK$615/mo
Deposit HK$1.46M · loan HK$2.18M · min. income ≈ HK$23,352/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$11,616
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,978
−HK$367/mo
Today · 4.125%
HK$12,345
baseline
▲ 0.50% · 4.625%
HK$13,096
+HK$751/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,690/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$12,923
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,270
−HK$351/mo
Today · 4.125%
HK$13,621
baseline
▲ 0.50% · 4.625%
HK$14,339
+HK$718/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,242/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$14,935
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,400
−HK$472/mo
Today · 4.125%
HK$15,872
baseline
▲ 0.50% · 4.625%
HK$16,838
+HK$966/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$31,744/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$16,616
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,061
−HK$452/mo
Today · 4.125%
HK$17,513
baseline
▲ 0.50% · 4.625%
HK$18,436
+HK$923/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$35,026/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).