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$8,232
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,488
−HK$261/mo
Today · 4.125%
HK$8,749
baseline
▲ 0.50% · 4.625%
HK$9,281
+HK$532/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,498/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$9,158
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,404
−HK$249/mo
Today · 4.125%
HK$9,653
baseline
▲ 0.50% · 4.625%
HK$10,162
+HK$509/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,306/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$9,879
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,186
−HK$312/mo
Today · 4.125%
HK$10,498
baseline
▲ 0.50% · 4.625%
HK$11,137
+HK$639/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$20,996/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,990
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,285
−HK$299/mo
Today · 4.125%
HK$11,584
baseline
▲ 0.50% · 4.625%
HK$12,195
+HK$611/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$23,168/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,525
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,884
−HK$364/mo
Today · 4.125%
HK$12,248
baseline
▲ 0.50% · 4.625%
HK$12,993
+HK$745/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,496/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,822
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,166
−HK$349/mo
Today · 4.125%
HK$13,515
baseline
▲ 0.50% · 4.625%
HK$14,227
+HK$712/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,030/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,818
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,279
−HK$469/mo
Today · 4.125%
HK$15,748
baseline
▲ 0.50% · 4.625%
HK$16,706
+HK$958/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,496/mo (50% DSR)
Upfront cash ≈ HK$361K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,485
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,927
−HK$449/mo
Today · 4.125%
HK$17,376
baseline
▲ 0.50% · 4.625%
HK$18,292
+HK$916/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,752/mo (50% DSR)
Upfront cash ≈ HK$361K (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).