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$8,239
−HK$517/mo
▼ 0.25% · 3.875%
HK$8,495
−HK$261/mo
Today · 4.125%
HK$8,756
baseline
▲ 0.50% · 4.625%
HK$9,289
+HK$533/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,512/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$9,166
−HK$495/mo
▼ 0.25% · 3.875%
HK$9,412
−HK$249/mo
Today · 4.125%
HK$9,661
baseline
▲ 0.50% · 4.625%
HK$10,170
+HK$509/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,322/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$9,887
−HK$620/mo
▼ 0.25% · 3.875%
HK$10,195
−HK$312/mo
Today · 4.125%
HK$10,507
baseline
▲ 0.50% · 4.625%
HK$11,146
+HK$639/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,014/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$10,999
−HK$594/mo
▼ 0.25% · 3.875%
HK$11,294
−HK$299/mo
Today · 4.125%
HK$11,593
baseline
▲ 0.50% · 4.625%
HK$12,205
+HK$612/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,186/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$11,535
−HK$723/mo
▼ 0.25% · 3.875%
HK$11,894
−HK$364/mo
Today · 4.125%
HK$12,258
baseline
▲ 0.50% · 4.625%
HK$13,004
+HK$746/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$24,516/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$12,832
−HK$694/mo
▼ 0.25% · 3.875%
HK$13,177
−HK$349/mo
Today · 4.125%
HK$13,526
baseline
▲ 0.50% · 4.625%
HK$14,239
+HK$713/mo
Deposit HK$1.08M · loan HK$2.53M · min. income ≈ HK$27,052/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$14,830
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,292
−HK$468/mo
Today · 4.125%
HK$15,760
baseline
▲ 0.50% · 4.625%
HK$16,719
+HK$959/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$31,520/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$16,499
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,941
−HK$449/mo
Today · 4.125%
HK$17,390
baseline
▲ 0.50% · 4.625%
HK$18,307
+HK$917/mo
Deposit HK$361K · loan HK$3.25M · min. income ≈ HK$34,780/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).