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$8,265
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,522
−HK$261/mo
Today · 4.125%
HK$8,783
baseline
▲ 0.50% · 4.625%
HK$9,318
+HK$535/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,566/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$9,195
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,441
−HK$250/mo
Today · 4.125%
HK$9,691
baseline
▲ 0.50% · 4.625%
HK$10,202
+HK$511/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,382/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$9,918
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,226
−HK$314/mo
Today · 4.125%
HK$10,540
baseline
▲ 0.50% · 4.625%
HK$11,181
+HK$641/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,080/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$11,034
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,329
−HK$301/mo
Today · 4.125%
HK$11,630
baseline
▲ 0.50% · 4.625%
HK$12,243
+HK$613/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,260/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$11,571
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,931
−HK$365/mo
Today · 4.125%
HK$12,296
baseline
▲ 0.50% · 4.625%
HK$13,045
+HK$749/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,592/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$12,872
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,218
−HK$350/mo
Today · 4.125%
HK$13,568
baseline
▲ 0.50% · 4.625%
HK$14,283
+HK$715/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,136/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$14,877
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,340
−HK$470/mo
Today · 4.125%
HK$15,810
baseline
▲ 0.50% · 4.625%
HK$16,772
+HK$962/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$31,620/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$16,550
−HK$895/mo
▼ 0.25% · 3.875%
HK$16,994
−HK$451/mo
Today · 4.125%
HK$17,445
baseline
▲ 0.50% · 4.625%
HK$18,364
+HK$919/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$34,890/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).