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$8,294
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,552
−HK$263/mo
Today · 4.125%
HK$8,815
baseline
▲ 0.50% · 4.625%
HK$9,351
+HK$536/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,630/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$9,227
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,475
−HK$251/mo
Today · 4.125%
HK$9,726
baseline
▲ 0.50% · 4.625%
HK$10,239
+HK$513/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,452/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$9,953
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,263
−HK$314/mo
Today · 4.125%
HK$10,577
baseline
▲ 0.50% · 4.625%
HK$11,221
+HK$644/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,154/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$11,073
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,370
−HK$301/mo
Today · 4.125%
HK$11,671
baseline
▲ 0.50% · 4.625%
HK$12,286
+HK$615/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,342/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$11,612
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,973
−HK$367/mo
Today · 4.125%
HK$12,340
baseline
▲ 0.50% · 4.625%
HK$13,091
+HK$751/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,680/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$12,918
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,265
−HK$351/mo
Today · 4.125%
HK$13,616
baseline
▲ 0.50% · 4.625%
HK$14,334
+HK$718/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,232/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$14,930
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,394
−HK$472/mo
Today · 4.125%
HK$15,866
baseline
▲ 0.50% · 4.625%
HK$16,832
+HK$966/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$31,732/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$16,609
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,055
−HK$452/mo
Today · 4.125%
HK$17,507
baseline
▲ 0.50% · 4.625%
HK$18,430
+HK$923/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$35,014/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).