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$8,259
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,516
−HK$261/mo
Today · 4.125%
HK$8,777
baseline
▲ 0.50% · 4.625%
HK$9,311
+HK$534/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,554/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$9,188
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,434
−HK$250/mo
Today · 4.125%
HK$9,684
baseline
▲ 0.50% · 4.625%
HK$10,194
+HK$510/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,368/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$9,910
−HK$622/mo
▼ 0.25% · 3.875%
HK$10,219
−HK$313/mo
Today · 4.125%
HK$10,532
baseline
▲ 0.50% · 4.625%
HK$11,173
+HK$641/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,064/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$11,025
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,321
−HK$300/mo
Today · 4.125%
HK$11,621
baseline
▲ 0.50% · 4.625%
HK$12,233
+HK$612/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,242/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$11,562
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,922
−HK$365/mo
Today · 4.125%
HK$12,287
baseline
▲ 0.50% · 4.625%
HK$13,035
+HK$748/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,574/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$12,863
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,208
−HK$350/mo
Today · 4.125%
HK$13,558
baseline
▲ 0.50% · 4.625%
HK$14,272
+HK$714/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,116/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$14,866
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,328
−HK$470/mo
Today · 4.125%
HK$15,798
baseline
▲ 0.50% · 4.625%
HK$16,759
+HK$961/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$31,596/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$16,538
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,981
−HK$450/mo
Today · 4.125%
HK$17,431
baseline
▲ 0.50% · 4.625%
HK$18,350
+HK$919/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$34,862/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).