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$8,285
−HK$519/mo
▼ 0.25% · 3.875%
HK$8,543
−HK$261/mo
Today · 4.125%
HK$8,804
baseline
▲ 0.50% · 4.625%
HK$9,340
+HK$536/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,608/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$9,217
−HK$498/mo
▼ 0.25% · 3.875%
HK$9,464
−HK$251/mo
Today · 4.125%
HK$9,715
baseline
▲ 0.50% · 4.625%
HK$10,227
+HK$512/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,430/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$9,942
−HK$623/mo
▼ 0.25% · 3.875%
HK$10,251
−HK$314/mo
Today · 4.125%
HK$10,565
baseline
▲ 0.50% · 4.625%
HK$11,208
+HK$643/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$21,130/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$11,060
−HK$598/mo
▼ 0.25% · 3.875%
HK$11,357
−HK$301/mo
Today · 4.125%
HK$11,658
baseline
▲ 0.50% · 4.625%
HK$12,272
+HK$614/mo
Deposit HK$1.45M · loan HK$2.18M · min. income ≈ HK$23,316/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$11,599
−HK$727/mo
▼ 0.25% · 3.875%
HK$11,960
−HK$366/mo
Today · 4.125%
HK$12,326
baseline
▲ 0.50% · 4.625%
HK$13,076
+HK$750/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$24,652/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$12,904
−HK$697/mo
▼ 0.25% · 3.875%
HK$13,250
−HK$351/mo
Today · 4.125%
HK$13,601
baseline
▲ 0.50% · 4.625%
HK$14,318
+HK$717/mo
Deposit HK$1.09M · loan HK$2.54M · min. income ≈ HK$27,202/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$14,913
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,377
−HK$471/mo
Today · 4.125%
HK$15,848
baseline
▲ 0.50% · 4.625%
HK$16,812
+HK$964/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$31,696/mo (50% DSR)
Upfront cash ≈ HK$363K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,590
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,035
−HK$452/mo
Today · 4.125%
HK$17,487
baseline
▲ 0.50% · 4.625%
HK$18,408
+HK$921/mo
Deposit HK$363K · loan HK$3.27M · min. income ≈ HK$34,974/mo (50% DSR)
Upfront cash ≈ HK$363K (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).