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$8,284
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,542
−HK$262/mo
Today · 4.125%
HK$8,804
baseline
▲ 0.50% · 4.625%
HK$9,339
+HK$535/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,608/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$9,216
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,463
−HK$251/mo
Today · 4.125%
HK$9,714
baseline
▲ 0.50% · 4.625%
HK$10,226
+HK$512/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,428/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$9,941
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,250
−HK$314/mo
Today · 4.125%
HK$10,564
baseline
▲ 0.50% · 4.625%
HK$11,207
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,128/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$11,059
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,356
−HK$301/mo
Today · 4.125%
HK$11,657
baseline
▲ 0.50% · 4.625%
HK$12,271
+HK$614/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,314/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$11,598
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,959
−HK$366/mo
Today · 4.125%
HK$12,325
baseline
▲ 0.50% · 4.625%
HK$13,075
+HK$750/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,650/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$12,903
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,249
−HK$351/mo
Today · 4.125%
HK$13,600
baseline
▲ 0.50% · 4.625%
HK$14,317
+HK$717/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,200/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$14,912
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,375
−HK$472/mo
Today · 4.125%
HK$15,847
baseline
▲ 0.50% · 4.625%
HK$16,811
+HK$964/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,694/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$16,589
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,034
−HK$451/mo
Today · 4.125%
HK$17,485
baseline
▲ 0.50% · 4.625%
HK$18,407
+HK$922/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,970/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).