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$8,275
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,532
−HK$262/mo
Today · 4.125%
HK$8,794
baseline
▲ 0.50% · 4.625%
HK$9,329
+HK$535/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,588/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$9,205
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,452
−HK$251/mo
Today · 4.125%
HK$9,703
baseline
▲ 0.50% · 4.625%
HK$10,214
+HK$511/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,406/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$9,930
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,238
−HK$314/mo
Today · 4.125%
HK$10,552
baseline
▲ 0.50% · 4.625%
HK$11,194
+HK$642/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,104/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$11,047
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,343
−HK$300/mo
Today · 4.125%
HK$11,643
baseline
▲ 0.50% · 4.625%
HK$12,257
+HK$614/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,286/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$11,584
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,945
−HK$366/mo
Today · 4.125%
HK$12,311
baseline
▲ 0.50% · 4.625%
HK$13,060
+HK$749/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,622/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$12,888
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,233
−HK$351/mo
Today · 4.125%
HK$13,584
baseline
▲ 0.50% · 4.625%
HK$14,300
+HK$716/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,168/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$14,894
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,358
−HK$470/mo
Today · 4.125%
HK$15,828
baseline
▲ 0.50% · 4.625%
HK$16,791
+HK$963/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,656/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$16,570
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,014
−HK$451/mo
Today · 4.125%
HK$17,465
baseline
▲ 0.50% · 4.625%
HK$18,386
+HK$921/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,930/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).