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$8,249
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,505
−HK$261/mo
Today · 4.125%
HK$8,766
baseline
▲ 0.50% · 4.625%
HK$9,300
+HK$534/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,532/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$9,177
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,423
−HK$250/mo
Today · 4.125%
HK$9,673
baseline
▲ 0.50% · 4.625%
HK$10,182
+HK$509/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,346/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$9,899
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,207
−HK$312/mo
Today · 4.125%
HK$10,519
baseline
▲ 0.50% · 4.625%
HK$11,159
+HK$640/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,038/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$11,012
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,307
−HK$300/mo
Today · 4.125%
HK$11,607
baseline
▲ 0.50% · 4.625%
HK$12,219
+HK$612/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,214/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$11,548
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,908
−HK$365/mo
Today · 4.125%
HK$12,273
baseline
▲ 0.50% · 4.625%
HK$13,019
+HK$746/mo
Deposit HK$1.09M · loan HK$2.53M · min. income ≈ HK$24,546/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$12,847
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,192
−HK$350/mo
Today · 4.125%
HK$13,542
baseline
▲ 0.50% · 4.625%
HK$14,255
+HK$713/mo
Deposit HK$1.09M · loan HK$2.53M · min. income ≈ HK$27,084/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$14,848
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,310
−HK$469/mo
Today · 4.125%
HK$15,779
baseline
▲ 0.50% · 4.625%
HK$16,739
+HK$960/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$31,558/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$16,518
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,961
−HK$450/mo
Today · 4.125%
HK$17,411
baseline
▲ 0.50% · 4.625%
HK$18,328
+HK$917/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$34,822/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).