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$8,294
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,552
−HK$262/mo
Today · 4.125%
HK$8,814
baseline
▲ 0.50% · 4.625%
HK$9,350
+HK$536/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,628/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$9,226
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,474
−HK$251/mo
Today · 4.125%
HK$9,725
baseline
▲ 0.50% · 4.625%
HK$10,238
+HK$513/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,450/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$9,952
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,262
−HK$314/mo
Today · 4.125%
HK$10,576
baseline
▲ 0.50% · 4.625%
HK$11,220
+HK$644/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,152/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$11,072
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,369
−HK$301/mo
Today · 4.125%
HK$11,670
baseline
▲ 0.50% · 4.625%
HK$12,285
+HK$615/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,340/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$11,611
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,972
−HK$367/mo
Today · 4.125%
HK$12,339
baseline
▲ 0.50% · 4.625%
HK$13,090
+HK$751/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,678/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$12,917
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,263
−HK$352/mo
Today · 4.125%
HK$13,615
baseline
▲ 0.50% · 4.625%
HK$14,333
+HK$718/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,230/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$14,928
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,393
−HK$471/mo
Today · 4.125%
HK$15,864
baseline
▲ 0.50% · 4.625%
HK$16,830
+HK$966/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$31,728/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$16,608
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,053
−HK$452/mo
Today · 4.125%
HK$17,505
baseline
▲ 0.50% · 4.625%
HK$18,428
+HK$923/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$35,010/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).