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$8,303
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,561
−HK$262/mo
Today · 4.125%
HK$8,823
baseline
▲ 0.50% · 4.625%
HK$9,360
+HK$537/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,646/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$9,237
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,485
−HK$251/mo
Today · 4.125%
HK$9,736
baseline
▲ 0.50% · 4.625%
HK$10,249
+HK$513/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,472/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$9,963
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,273
−HK$315/mo
Today · 4.125%
HK$10,588
baseline
▲ 0.50% · 4.625%
HK$11,232
+HK$644/mo
Deposit HK$1.46M · loan HK$2.18M · min. income ≈ HK$21,176/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,084
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,381
−HK$302/mo
Today · 4.125%
HK$11,683
baseline
▲ 0.50% · 4.625%
HK$12,299
+HK$616/mo
Deposit HK$1.46M · loan HK$2.18M · min. income ≈ HK$23,366/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,624
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,986
−HK$367/mo
Today · 4.125%
HK$12,353
baseline
▲ 0.50% · 4.625%
HK$13,105
+HK$752/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,706/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$12,932
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,278
−HK$352/mo
Today · 4.125%
HK$13,630
baseline
▲ 0.50% · 4.625%
HK$14,349
+HK$719/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,260/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$14,945
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,410
−HK$472/mo
Today · 4.125%
HK$15,882
baseline
▲ 0.50% · 4.625%
HK$16,849
+HK$967/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$31,764/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$16,626
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,072
−HK$453/mo
Today · 4.125%
HK$17,525
baseline
▲ 0.50% · 4.625%
HK$18,448
+HK$923/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$35,050/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).