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$8,237
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,494
−HK$260/mo
Today · 4.125%
HK$8,754
baseline
▲ 0.50% · 4.625%
HK$9,287
+HK$533/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,508/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$9,164
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,410
−HK$249/mo
Today · 4.125%
HK$9,659
baseline
▲ 0.50% · 4.625%
HK$10,168
+HK$509/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,318/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$9,885
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,192
−HK$313/mo
Today · 4.125%
HK$10,505
baseline
▲ 0.50% · 4.625%
HK$11,144
+HK$639/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,010/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$10,997
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,292
−HK$299/mo
Today · 4.125%
HK$11,591
baseline
▲ 0.50% · 4.625%
HK$12,202
+HK$611/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,182/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$11,532
−HK$724/mo
▼ 0.25% · 3.875%
HK$11,891
−HK$365/mo
Today · 4.125%
HK$12,256
baseline
▲ 0.50% · 4.625%
HK$13,001
+HK$745/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,512/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,830
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,174
−HK$349/mo
Today · 4.125%
HK$13,523
baseline
▲ 0.50% · 4.625%
HK$14,236
+HK$713/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,046/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,827
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,289
−HK$468/mo
Today · 4.125%
HK$15,757
baseline
▲ 0.50% · 4.625%
HK$16,716
+HK$959/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,514/mo (50% DSR)
Upfront cash ≈ HK$361K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,495
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,938
−HK$448/mo
Today · 4.125%
HK$17,386
baseline
▲ 0.50% · 4.625%
HK$18,303
+HK$917/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,772/mo (50% DSR)
Upfront cash ≈ HK$361K (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).