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$8,285
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,543
−HK$262/mo
Today · 4.125%
HK$8,805
baseline
▲ 0.50% · 4.625%
HK$9,341
+HK$536/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,610/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$9,217
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,465
−HK$250/mo
Today · 4.125%
HK$9,715
baseline
▲ 0.50% · 4.625%
HK$10,228
+HK$513/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,430/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$9,942
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,252
−HK$314/mo
Today · 4.125%
HK$10,566
baseline
▲ 0.50% · 4.625%
HK$11,209
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,132/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$11,061
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,358
−HK$300/mo
Today · 4.125%
HK$11,658
baseline
▲ 0.50% · 4.625%
HK$12,273
+HK$615/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,316/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$11,600
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,960
−HK$367/mo
Today · 4.125%
HK$12,327
baseline
▲ 0.50% · 4.625%
HK$13,077
+HK$750/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,654/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$12,904
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,250
−HK$352/mo
Today · 4.125%
HK$13,602
baseline
▲ 0.50% · 4.625%
HK$14,319
+HK$717/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,204/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$14,914
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,378
−HK$471/mo
Today · 4.125%
HK$15,849
baseline
▲ 0.50% · 4.625%
HK$16,813
+HK$964/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,698/mo (50% DSR)
Upfront cash ≈ HK$363K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,591
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,036
−HK$452/mo
Today · 4.125%
HK$17,488
baseline
▲ 0.50% · 4.625%
HK$18,410
+HK$922/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,976/mo (50% DSR)
Upfront cash ≈ HK$363K (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).