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$8,234
−HK$516/mo
▼ 0.25% · 3.875%
HK$8,490
−HK$260/mo
Today · 4.125%
HK$8,750
baseline
▲ 0.50% · 4.625%
HK$9,283
+HK$533/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,500/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$9,160
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,406
−HK$249/mo
Today · 4.125%
HK$9,655
baseline
▲ 0.50% · 4.625%
HK$10,164
+HK$509/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,310/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$9,881
−HK$619/mo
▼ 0.25% · 3.875%
HK$10,188
−HK$312/mo
Today · 4.125%
HK$10,500
baseline
▲ 0.50% · 4.625%
HK$11,139
+HK$639/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$21,000/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,992
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,287
−HK$299/mo
Today · 4.125%
HK$11,586
baseline
▲ 0.50% · 4.625%
HK$12,197
+HK$611/mo
Deposit HK$1.44M · loan HK$2.17M · min. income ≈ HK$23,172/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,528
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,886
−HK$365/mo
Today · 4.125%
HK$12,251
baseline
▲ 0.50% · 4.625%
HK$12,996
+HK$745/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,502/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$12,824
−HK$693/mo
▼ 0.25% · 3.875%
HK$13,168
−HK$349/mo
Today · 4.125%
HK$13,517
baseline
▲ 0.50% · 4.625%
HK$14,230
+HK$713/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,034/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$14,821
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,282
−HK$469/mo
Today · 4.125%
HK$15,751
baseline
▲ 0.50% · 4.625%
HK$16,709
+HK$958/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,502/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$16,488
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,931
−HK$448/mo
Today · 4.125%
HK$17,379
baseline
▲ 0.50% · 4.625%
HK$18,295
+HK$916/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,758/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).