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$8,247
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,504
−HK$260/mo
Today · 4.125%
HK$8,764
baseline
▲ 0.50% · 4.625%
HK$9,298
+HK$534/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,528/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$9,175
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,421
−HK$249/mo
Today · 4.125%
HK$9,670
baseline
▲ 0.50% · 4.625%
HK$10,180
+HK$510/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,340/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$9,896
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,204
−HK$313/mo
Today · 4.125%
HK$10,517
baseline
▲ 0.50% · 4.625%
HK$11,157
+HK$640/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,034/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$11,010
−HK$595/mo
▼ 0.25% · 3.875%
HK$11,305
−HK$300/mo
Today · 4.125%
HK$11,605
baseline
▲ 0.50% · 4.625%
HK$12,216
+HK$611/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,210/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$11,546
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,905
−HK$365/mo
Today · 4.125%
HK$12,270
baseline
▲ 0.50% · 4.625%
HK$13,017
+HK$747/mo
Deposit HK$1.09M · loan HK$2.53M · min. income ≈ HK$24,540/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$12,845
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,189
−HK$350/mo
Today · 4.125%
HK$13,539
baseline
▲ 0.50% · 4.625%
HK$14,252
+HK$713/mo
Deposit HK$1.09M · loan HK$2.53M · min. income ≈ HK$27,078/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$14,845
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,306
−HK$470/mo
Today · 4.125%
HK$15,776
baseline
▲ 0.50% · 4.625%
HK$16,736
+HK$960/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$31,552/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$16,515
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,957
−HK$450/mo
Today · 4.125%
HK$17,407
baseline
▲ 0.50% · 4.625%
HK$18,324
+HK$917/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$34,814/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).