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$8,250
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,507
−HK$261/mo
Today · 4.125%
HK$8,768
baseline
▲ 0.50% · 4.625%
HK$9,301
+HK$533/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$495/mo
▼ 0.25% · 3.875%
HK$9,425
−HK$249/mo
Today · 4.125%
HK$9,674
baseline
▲ 0.50% · 4.625%
HK$10,184
+HK$510/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,348/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$620/mo
▼ 0.25% · 3.875%
HK$10,208
−HK$313/mo
Today · 4.125%
HK$10,521
baseline
▲ 0.50% · 4.625%
HK$11,162
+HK$641/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,042/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$595/mo
▼ 0.25% · 3.875%
HK$11,310
−HK$299/mo
Today · 4.125%
HK$11,609
baseline
▲ 0.50% · 4.625%
HK$12,221
+HK$612/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,218/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$16,742
+HK$960/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$16,521
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,964
−HK$450/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).