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$8,248
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,505
−HK$261/mo
Today · 4.125%
HK$8,766
baseline
▲ 0.50% · 4.625%
HK$9,299
+HK$533/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,532/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$9,176
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,422
−HK$250/mo
Today · 4.125%
HK$9,672
baseline
▲ 0.50% · 4.625%
HK$10,182
+HK$510/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,344/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$9,898
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,206
−HK$313/mo
Today · 4.125%
HK$10,519
baseline
▲ 0.50% · 4.625%
HK$11,159
+HK$640/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,038/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$11,012
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,307
−HK$299/mo
Today · 4.125%
HK$11,606
baseline
▲ 0.50% · 4.625%
HK$12,218
+HK$612/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,212/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$11,548
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,907
−HK$365/mo
Today · 4.125%
HK$12,272
baseline
▲ 0.50% · 4.625%
HK$13,019
+HK$747/mo
Deposit HK$1.09M · loan HK$2.53M · min. income ≈ HK$24,544/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$12,847
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,191
−HK$350/mo
Today · 4.125%
HK$13,541
baseline
▲ 0.50% · 4.625%
HK$14,255
+HK$714/mo
Deposit HK$1.09M · loan HK$2.53M · min. income ≈ HK$27,082/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$14,847
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,309
−HK$469/mo
Today · 4.125%
HK$15,778
baseline
▲ 0.50% · 4.625%
HK$16,738
+HK$960/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$31,556/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$16,517
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,960
−HK$450/mo
Today · 4.125%
HK$17,410
baseline
▲ 0.50% · 4.625%
HK$18,327
+HK$917/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$34,820/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).