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$8,307
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,565
−HK$263/mo
Today · 4.125%
HK$8,828
baseline
▲ 0.50% · 4.625%
HK$9,365
+HK$537/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,656/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$9,241
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,489
−HK$251/mo
Today · 4.125%
HK$9,740
baseline
▲ 0.50% · 4.625%
HK$10,254
+HK$514/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,480/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$9,968
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,278
−HK$315/mo
Today · 4.125%
HK$10,593
baseline
▲ 0.50% · 4.625%
HK$11,238
+HK$645/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,186/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$11,089
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,387
−HK$301/mo
Today · 4.125%
HK$11,688
baseline
▲ 0.50% · 4.625%
HK$12,304
+HK$616/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,376/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$11,629
−HK$730/mo
▼ 0.25% · 3.875%
HK$11,991
−HK$368/mo
Today · 4.125%
HK$12,359
baseline
▲ 0.50% · 4.625%
HK$13,111
+HK$752/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,718/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$12,937
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,284
−HK$352/mo
Today · 4.125%
HK$13,636
baseline
▲ 0.50% · 4.625%
HK$14,355
+HK$719/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,272/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$14,952
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,417
−HK$473/mo
Today · 4.125%
HK$15,890
baseline
▲ 0.50% · 4.625%
HK$16,856
+HK$966/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$31,780/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$16,634
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,080
−HK$453/mo
Today · 4.125%
HK$17,533
baseline
▲ 0.50% · 4.625%
HK$18,457
+HK$924/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$35,066/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).