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$8,295
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,553
−HK$262/mo
Today · 4.125%
HK$8,815
baseline
▲ 0.50% · 4.625%
HK$9,351
+HK$536/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,630/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$9,228
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,476
−HK$251/mo
Today · 4.125%
HK$9,727
baseline
▲ 0.50% · 4.625%
HK$10,239
+HK$512/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,454/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$9,954
−HK$624/mo
▼ 0.25% · 3.875%
HK$10,264
−HK$314/mo
Today · 4.125%
HK$10,578
baseline
▲ 0.50% · 4.625%
HK$11,222
+HK$644/mo
Deposit HK$1.46M · loan HK$2.18M · min. income ≈ HK$21,156/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$11,074
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,371
−HK$301/mo
Today · 4.125%
HK$11,672
baseline
▲ 0.50% · 4.625%
HK$12,287
+HK$615/mo
Deposit HK$1.46M · loan HK$2.18M · min. income ≈ HK$23,344/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$11,613
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,974
−HK$367/mo
Today · 4.125%
HK$12,341
baseline
▲ 0.50% · 4.625%
HK$13,092
+HK$751/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,682/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$12,919
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,266
−HK$351/mo
Today · 4.125%
HK$13,617
baseline
▲ 0.50% · 4.625%
HK$14,335
+HK$718/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,234/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$14,931
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,395
−HK$472/mo
Today · 4.125%
HK$15,867
baseline
▲ 0.50% · 4.625%
HK$16,833
+HK$966/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$31,734/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$16,610
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,056
−HK$452/mo
Today · 4.125%
HK$17,508
baseline
▲ 0.50% · 4.625%
HK$18,431
+HK$923/mo
Deposit HK$364K · loan HK$3.27M · min. income ≈ HK$35,016/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).