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$8,322
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,581
−HK$263/mo
Today · 4.125%
HK$8,844
baseline
▲ 0.50% · 4.625%
HK$9,382
+HK$538/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,688/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,258
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,506
−HK$252/mo
Today · 4.125%
HK$9,758
baseline
▲ 0.50% · 4.625%
HK$10,273
+HK$515/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,516/mo (50% DSR)
Upfront cash ≈ HK$1.82M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,986
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,297
−HK$315/mo
Today · 4.125%
HK$10,612
baseline
▲ 0.50% · 4.625%
HK$11,258
+HK$646/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,224/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,110
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,408
−HK$302/mo
Today · 4.125%
HK$11,710
baseline
▲ 0.50% · 4.625%
HK$12,327
+HK$617/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,420/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,651
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,013
−HK$368/mo
Today · 4.125%
HK$12,381
baseline
▲ 0.50% · 4.625%
HK$13,135
+HK$754/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,762/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$12,961
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,309
−HK$352/mo
Today · 4.125%
HK$13,661
baseline
▲ 0.50% · 4.625%
HK$14,382
+HK$721/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,322/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$14,979
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,445
−HK$474/mo
Today · 4.125%
HK$15,919
baseline
▲ 0.50% · 4.625%
HK$16,887
+HK$968/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$31,838/mo (50% DSR)
Upfront cash ≈ HK$365K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,664
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,111
−HK$454/mo
Today · 4.125%
HK$17,565
baseline
▲ 0.50% · 4.625%
HK$18,491
+HK$926/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$35,130/mo (50% DSR)
Upfront cash ≈ HK$365K (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).