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$8,262
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,519
−HK$261/mo
Today · 4.125%
HK$8,780
baseline
▲ 0.50% · 4.625%
HK$9,315
+HK$535/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,560/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$9,192
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,438
−HK$250/mo
Today · 4.125%
HK$9,688
baseline
▲ 0.50% · 4.625%
HK$10,199
+HK$511/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,376/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$9,915
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,223
−HK$313/mo
Today · 4.125%
HK$10,536
baseline
▲ 0.50% · 4.625%
HK$11,178
+HK$642/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,072/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$11,030
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,326
−HK$300/mo
Today · 4.125%
HK$11,626
baseline
▲ 0.50% · 4.625%
HK$12,239
+HK$613/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,252/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$11,567
−HK$726/mo
▼ 0.25% · 3.875%
HK$11,927
−HK$366/mo
Today · 4.125%
HK$12,293
baseline
▲ 0.50% · 4.625%
HK$13,040
+HK$747/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,586/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$12,868
−HK$696/mo
▼ 0.25% · 3.875%
HK$13,213
−HK$351/mo
Today · 4.125%
HK$13,564
baseline
▲ 0.50% · 4.625%
HK$14,279
+HK$715/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,128/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$14,872
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,335
−HK$470/mo
Today · 4.125%
HK$15,805
baseline
▲ 0.50% · 4.625%
HK$16,766
+HK$961/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$31,610/mo (50% DSR)
Upfront cash ≈ HK$362K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,545
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,989
−HK$450/mo
Today · 4.125%
HK$17,439
baseline
▲ 0.50% · 4.625%
HK$18,358
+HK$919/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$34,878/mo (50% DSR)
Upfront cash ≈ HK$362K (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).