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$8,256
−HK$518/mo
▼ 0.25% · 3.875%
HK$8,513
−HK$261/mo
Today · 4.125%
HK$8,774
baseline
▲ 0.50% · 4.625%
HK$9,307
+HK$533/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$17,548/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$9,185
−HK$496/mo
▼ 0.25% · 3.875%
HK$9,431
−HK$250/mo
Today · 4.125%
HK$9,681
baseline
▲ 0.50% · 4.625%
HK$10,191
+HK$510/mo
Deposit HK$1.81M · loan HK$1.81M · min. income ≈ HK$19,362/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$9,907
−HK$621/mo
▼ 0.25% · 3.875%
HK$10,215
−HK$313/mo
Today · 4.125%
HK$10,528
baseline
▲ 0.50% · 4.625%
HK$11,169
+HK$641/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$21,056/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$11,021
−HK$596/mo
▼ 0.25% · 3.875%
HK$11,317
−HK$300/mo
Today · 4.125%
HK$11,617
baseline
▲ 0.50% · 4.625%
HK$12,229
+HK$612/mo
Deposit HK$1.45M · loan HK$2.17M · min. income ≈ HK$23,234/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$11,558
−HK$725/mo
▼ 0.25% · 3.875%
HK$11,918
−HK$365/mo
Today · 4.125%
HK$12,283
baseline
▲ 0.50% · 4.625%
HK$13,030
+HK$747/mo
Deposit HK$1.09M · loan HK$2.53M · min. income ≈ HK$24,566/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$12,858
−HK$695/mo
▼ 0.25% · 3.875%
HK$13,203
−HK$350/mo
Today · 4.125%
HK$13,553
baseline
▲ 0.50% · 4.625%
HK$14,268
+HK$715/mo
Deposit HK$1.09M · loan HK$2.53M · min. income ≈ HK$27,106/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$14,861
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,323
−HK$469/mo
Today · 4.125%
HK$15,792
baseline
▲ 0.50% · 4.625%
HK$16,753
+HK$961/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$31,584/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$16,532
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,976
−HK$449/mo
Today · 4.125%
HK$17,425
baseline
▲ 0.50% · 4.625%
HK$18,344
+HK$919/mo
Deposit HK$362K · loan HK$3.26M · min. income ≈ HK$34,850/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).