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$8,251
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,507
−HK$261/mo
Today · 4.125%
HK$8,768
baseline
▲ 0.50% · 4.625%
HK$9,302
+HK$534/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,536/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$9,179
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,425
−HK$250/mo
Today · 4.125%
HK$9,675
baseline
▲ 0.50% · 4.625%
HK$10,185
+HK$510/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,350/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$9,901
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,209
−HK$313/mo
Today · 4.125%
HK$10,522
baseline
▲ 0.50% · 4.625%
HK$11,162
+HK$640/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,044/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$11,014
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,310
−HK$300/mo
Today · 4.125%
HK$11,610
baseline
▲ 0.50% · 4.625%
HK$12,222
+HK$612/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,220/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$11,551
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,910
−HK$365/mo
Today · 4.125%
HK$12,275
baseline
▲ 0.50% · 4.625%
HK$13,022
+HK$747/mo
Deposit HK$1.09M · loan HK$2.53M · min. income ≈ HK$24,550/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$12,850
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,195
−HK$349/mo
Today · 4.125%
HK$13,544
baseline
▲ 0.50% · 4.625%
HK$14,258
+HK$714/mo
Deposit HK$1.09M · loan HK$2.53M · min. income ≈ HK$27,088/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$14,851
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,313
−HK$469/mo
Today · 4.125%
HK$15,782
baseline
▲ 0.50% · 4.625%
HK$16,743
+HK$961/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$31,564/mo (50% DSR)
Upfront cash ≈ HK$362K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,522
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,965
−HK$449/mo
Today · 4.125%
HK$17,414
baseline
▲ 0.50% · 4.625%
HK$18,332
+HK$918/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$34,828/mo (50% DSR)
Upfront cash ≈ HK$362K (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).