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$8,257
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,514
−HK$261/mo
Today · 4.125%
HK$8,775
baseline
▲ 0.50% · 4.625%
HK$9,309
+HK$534/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,550/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$9,186
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,433
−HK$250/mo
Today · 4.125%
HK$9,683
baseline
▲ 0.50% · 4.625%
HK$10,193
+HK$510/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,366/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$9,909
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,217
−HK$313/mo
Today · 4.125%
HK$10,530
baseline
▲ 0.50% · 4.625%
HK$11,171
+HK$641/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,060/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$11,024
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,319
−HK$300/mo
Today · 4.125%
HK$11,619
baseline
▲ 0.50% · 4.625%
HK$12,232
+HK$613/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,238/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$11,560
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,920
−HK$365/mo
Today · 4.125%
HK$12,285
baseline
▲ 0.50% · 4.625%
HK$13,033
+HK$748/mo
Deposit HK$1.09M · loan HK$2.53M · min. income ≈ HK$24,570/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$12,861
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,206
−HK$350/mo
Today · 4.125%
HK$13,556
baseline
▲ 0.50% · 4.625%
HK$14,270
+HK$714/mo
Deposit HK$1.09M · loan HK$2.53M · min. income ≈ HK$27,112/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$14,863
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,326
−HK$470/mo
Today · 4.125%
HK$15,796
baseline
▲ 0.50% · 4.625%
HK$16,757
+HK$961/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$31,592/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$16,535
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,979
−HK$450/mo
Today · 4.125%
HK$17,429
baseline
▲ 0.50% · 4.625%
HK$18,348
+HK$919/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$34,858/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).