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$8,273
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,530
−HK$262/mo
Today · 4.125%
HK$8,792
baseline
▲ 0.50% · 4.625%
HK$9,327
+HK$535/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,584/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$9,204
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,451
−HK$250/mo
Today · 4.125%
HK$9,701
baseline
▲ 0.50% · 4.625%
HK$10,212
+HK$511/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,402/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$9,928
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,237
−HK$313/mo
Today · 4.125%
HK$10,550
baseline
▲ 0.50% · 4.625%
HK$11,192
+HK$642/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,100/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$11,045
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,341
−HK$300/mo
Today · 4.125%
HK$11,641
baseline
▲ 0.50% · 4.625%
HK$12,255
+HK$614/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,282/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$11,582
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,943
−HK$366/mo
Today · 4.125%
HK$12,309
baseline
▲ 0.50% · 4.625%
HK$13,058
+HK$749/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,618/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$12,885
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,231
−HK$350/mo
Today · 4.125%
HK$13,581
baseline
▲ 0.50% · 4.625%
HK$14,297
+HK$716/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,162/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$14,892
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,355
−HK$471/mo
Today · 4.125%
HK$15,826
baseline
▲ 0.50% · 4.625%
HK$16,788
+HK$962/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,652/mo (50% DSR)
Upfront cash ≈ HK$363K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,567
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,011
−HK$451/mo
Today · 4.125%
HK$17,462
baseline
▲ 0.50% · 4.625%
HK$18,382
+HK$920/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,924/mo (50% DSR)
Upfront cash ≈ HK$363K (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).