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$8,301
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,559
−HK$263/mo
Today · 4.125%
HK$8,822
baseline
▲ 0.50% · 4.625%
HK$9,359
+HK$537/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,644/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$9,235
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,483
−HK$251/mo
Today · 4.125%
HK$9,734
baseline
▲ 0.50% · 4.625%
HK$10,247
+HK$513/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,468/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$9,961
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,271
−HK$315/mo
Today · 4.125%
HK$10,586
baseline
▲ 0.50% · 4.625%
HK$11,230
+HK$644/mo
Deposit HK$1.46M · loan HK$2.18M · min. income ≈ HK$21,172/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$11,082
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,379
−HK$302/mo
Today · 4.125%
HK$11,681
baseline
▲ 0.50% · 4.625%
HK$12,297
+HK$616/mo
Deposit HK$1.46M · loan HK$2.18M · min. income ≈ HK$23,362/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$11,622
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,983
−HK$368/mo
Today · 4.125%
HK$12,351
baseline
▲ 0.50% · 4.625%
HK$13,102
+HK$751/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,702/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$12,929
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,276
−HK$352/mo
Today · 4.125%
HK$13,628
baseline
▲ 0.50% · 4.625%
HK$14,346
+HK$718/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,256/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$14,942
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,407
−HK$472/mo
Today · 4.125%
HK$15,879
baseline
▲ 0.50% · 4.625%
HK$16,845
+HK$966/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$31,758/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$16,623
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,069
−HK$452/mo
Today · 4.125%
HK$17,521
baseline
▲ 0.50% · 4.625%
HK$18,445
+HK$924/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$35,042/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).