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$8,314
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,573
−HK$262/mo
Today · 4.125%
HK$8,835
baseline
▲ 0.50% · 4.625%
HK$9,373
+HK$538/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,670/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$9,249
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,497
−HK$252/mo
Today · 4.125%
HK$9,749
baseline
▲ 0.50% · 4.625%
HK$10,263
+HK$514/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,498/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$9,977
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,287
−HK$315/mo
Today · 4.125%
HK$10,602
baseline
▲ 0.50% · 4.625%
HK$11,248
+HK$646/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,204/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$11,099
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,397
−HK$302/mo
Today · 4.125%
HK$11,699
baseline
▲ 0.50% · 4.625%
HK$12,315
+HK$616/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,398/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$11,640
−HK$729/mo
▼ 0.25% · 3.875%
HK$12,002
−HK$367/mo
Today · 4.125%
HK$12,369
baseline
▲ 0.50% · 4.625%
HK$13,122
+HK$753/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,738/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$12,949
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,296
−HK$353/mo
Today · 4.125%
HK$13,649
baseline
▲ 0.50% · 4.625%
HK$14,368
+HK$719/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,298/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$14,965
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,431
−HK$473/mo
Today · 4.125%
HK$15,904
baseline
▲ 0.50% · 4.625%
HK$16,871
+HK$967/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$31,808/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$16,649
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,095
−HK$453/mo
Today · 4.125%
HK$17,548
baseline
▲ 0.50% · 4.625%
HK$18,473
+HK$925/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$35,096/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).