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$8,302
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,560
−HK$262/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$10,248
+HK$514/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$9,962
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,272
−HK$315/mo
Today · 4.125%
HK$10,587
baseline
▲ 0.50% · 4.625%
HK$11,231
+HK$644/mo
Deposit HK$1.46M · loan HK$2.18M · min. income ≈ HK$21,174/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$11,083
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,380
−HK$301/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$11,984
−HK$367/mo
Today · 4.125%
HK$12,351
baseline
▲ 0.50% · 4.625%
HK$13,103
+HK$752/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$12,930
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,276
−HK$352/mo
Today · 4.125%
HK$13,628
baseline
▲ 0.50% · 4.625%
HK$14,347
+HK$719/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$14,943
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,408
−HK$472/mo
Today · 4.125%
HK$15,880
baseline
▲ 0.50% · 4.625%
HK$16,846
+HK$966/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$31,760/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$16,624
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,070
−HK$452/mo
Today · 4.125%
HK$17,522
baseline
▲ 0.50% · 4.625%
HK$18,446
+HK$924/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$35,044/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).