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$8,280
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,537
−HK$262/mo
Today · 4.125%
HK$8,799
baseline
▲ 0.50% · 4.625%
HK$9,334
+HK$535/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,598/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$9,211
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,458
−HK$251/mo
Today · 4.125%
HK$9,709
baseline
▲ 0.50% · 4.625%
HK$10,221
+HK$512/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,418/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$9,936
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,245
−HK$314/mo
Today · 4.125%
HK$10,559
baseline
▲ 0.50% · 4.625%
HK$11,201
+HK$642/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,118/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$11,054
−HK$597/mo
▼ 0.25% · 3.875%
HK$11,350
−HK$301/mo
Today · 4.125%
HK$11,651
baseline
▲ 0.50% · 4.625%
HK$12,265
+HK$614/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,302/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$11,592
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,952
−HK$367/mo
Today · 4.125%
HK$12,319
baseline
▲ 0.50% · 4.625%
HK$13,068
+HK$749/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,638/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$12,896
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,242
−HK$351/mo
Today · 4.125%
HK$13,593
baseline
▲ 0.50% · 4.625%
HK$14,309
+HK$716/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,186/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$14,904
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,367
−HK$471/mo
Today · 4.125%
HK$15,838
baseline
▲ 0.50% · 4.625%
HK$16,802
+HK$964/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,676/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$16,580
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,025
−HK$451/mo
Today · 4.125%
HK$17,476
baseline
▲ 0.50% · 4.625%
HK$18,397
+HK$921/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,952/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).