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$8,306
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,564
−HK$263/mo
Today · 4.125%
HK$8,827
baseline
▲ 0.50% · 4.625%
HK$9,364
+HK$537/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,654/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$9,240
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,488
−HK$252/mo
Today · 4.125%
HK$9,740
baseline
▲ 0.50% · 4.625%
HK$10,253
+HK$513/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,480/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$9,967
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,277
−HK$315/mo
Today · 4.125%
HK$10,592
baseline
▲ 0.50% · 4.625%
HK$11,237
+HK$645/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,184/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$11,088
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,386
−HK$302/mo
Today · 4.125%
HK$11,688
baseline
▲ 0.50% · 4.625%
HK$12,304
+HK$616/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,376/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$11,628
−HK$730/mo
▼ 0.25% · 3.875%
HK$11,990
−HK$368/mo
Today · 4.125%
HK$12,358
baseline
▲ 0.50% · 4.625%
HK$13,110
+HK$752/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,716/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$12,937
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,283
−HK$352/mo
Today · 4.125%
HK$13,635
baseline
▲ 0.50% · 4.625%
HK$14,354
+HK$719/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,270/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$14,951
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,416
−HK$472/mo
Today · 4.125%
HK$15,888
baseline
▲ 0.50% · 4.625%
HK$16,855
+HK$967/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$31,776/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$16,633
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,079
−HK$452/mo
Today · 4.125%
HK$17,531
baseline
▲ 0.50% · 4.625%
HK$18,455
+HK$924/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$35,062/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).