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$8,288
−HK$520/mo
▼ 0.25% · 3.875%
HK$8,546
−HK$262/mo
Today · 4.125%
HK$8,808
baseline
▲ 0.50% · 4.625%
HK$9,344
+HK$536/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,616/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$9,220
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,468
−HK$250/mo
Today · 4.125%
HK$9,718
baseline
▲ 0.50% · 4.625%
HK$10,231
+HK$513/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,436/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$9,946
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,255
−HK$314/mo
Today · 4.125%
HK$10,569
baseline
▲ 0.50% · 4.625%
HK$11,212
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,138/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$11,064
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,361
−HK$301/mo
Today · 4.125%
HK$11,662
baseline
▲ 0.50% · 4.625%
HK$12,277
+HK$615/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,324/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$11,603
−HK$728/mo
▼ 0.25% · 3.875%
HK$11,964
−HK$367/mo
Today · 4.125%
HK$12,331
baseline
▲ 0.50% · 4.625%
HK$13,081
+HK$750/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,662/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$12,908
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,255
−HK$351/mo
Today · 4.125%
HK$13,606
baseline
▲ 0.50% · 4.625%
HK$14,323
+HK$717/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,212/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$14,918
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,382
−HK$472/mo
Today · 4.125%
HK$15,854
baseline
▲ 0.50% · 4.625%
HK$16,818
+HK$964/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,708/mo (50% DSR)
Upfront cash ≈ HK$364K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,596
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,042
−HK$451/mo
Today · 4.125%
HK$17,493
baseline
▲ 0.50% · 4.625%
HK$18,415
+HK$922/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,986/mo (50% DSR)
Upfront cash ≈ HK$364K (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).