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$517/mo
▼ 0.25% · 3.875%
HK$8,507
−HK$260/mo
Today · 4.125%
HK$8,767
baseline
▲ 0.50% · 4.625%
HK$9,301
+HK$534/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,534/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$9,178
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,424
−HK$250/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$9,900
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,208
−HK$313/mo
Today · 4.125%
HK$10,521
baseline
▲ 0.50% · 4.625%
HK$11,161
+HK$640/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$11,309
−HK$300/mo
Today · 4.125%
HK$11,609
baseline
▲ 0.50% · 4.625%
HK$12,220
+HK$611/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$11,550
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,909
−HK$365/mo
Today · 4.125%
HK$12,274
baseline
▲ 0.50% · 4.625%
HK$13,021
+HK$747/mo
Deposit HK$1.09M · loan HK$2.53M · min. income ≈ HK$24,548/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$12,849
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,194
−HK$349/mo
Today · 4.125%
HK$13,543
baseline
▲ 0.50% · 4.625%
HK$14,257
+HK$714/mo
Deposit HK$1.09M · loan HK$2.53M · min. income ≈ HK$27,086/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$14,850
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,312
−HK$469/mo
Today · 4.125%
HK$15,781
baseline
▲ 0.50% · 4.625%
HK$16,741
+HK$960/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$31,562/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$16,520
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,963
−HK$450/mo
Today · 4.125%
HK$17,413
baseline
▲ 0.50% · 4.625%
HK$18,331
+HK$918/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$34,826/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).