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$8,267
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,525
−HK$261/mo
Today · 4.125%
HK$8,786
baseline
▲ 0.50% · 4.625%
HK$9,320
+HK$534/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,572/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$9,197
−HK$497/mo
▼ 0.25% · 3.875%
HK$9,444
−HK$250/mo
Today · 4.125%
HK$9,694
baseline
▲ 0.50% · 4.625%
HK$10,205
+HK$511/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,388/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$9,921
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,229
−HK$314/mo
Today · 4.125%
HK$10,543
baseline
▲ 0.50% · 4.625%
HK$11,185
+HK$642/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,086/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$11,037
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,333
−HK$300/mo
Today · 4.125%
HK$11,633
baseline
▲ 0.50% · 4.625%
HK$12,246
+HK$613/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,266/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$11,574
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,934
−HK$366/mo
Today · 4.125%
HK$12,300
baseline
▲ 0.50% · 4.625%
HK$13,049
+HK$749/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,600/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$12,876
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,222
−HK$350/mo
Today · 4.125%
HK$13,572
baseline
▲ 0.50% · 4.625%
HK$14,287
+HK$715/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,144/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$14,881
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,344
−HK$471/mo
Today · 4.125%
HK$15,815
baseline
▲ 0.50% · 4.625%
HK$16,777
+HK$962/mo
Deposit HK$363K · loan HK$3.26M · min. income ≈ HK$31,630/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$16,555
−HK$895/mo
▼ 0.25% · 3.875%
HK$16,999
−HK$451/mo
Today · 4.125%
HK$17,450
baseline
▲ 0.50% · 4.625%
HK$18,370
+HK$920/mo
Deposit HK$363K · loan HK$3.26M · min. income ≈ HK$34,900/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).