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$8,319
−HK$522/mo
▼ 0.25% · 3.875%
HK$8,578
−HK$263/mo
Today · 4.125%
HK$8,841
baseline
▲ 0.50% · 4.625%
HK$9,379
+HK$538/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,682/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$9,255
−HK$500/mo
▼ 0.25% · 3.875%
HK$9,503
−HK$252/mo
Today · 4.125%
HK$9,755
baseline
▲ 0.50% · 4.625%
HK$10,269
+HK$514/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,510/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$9,983
−HK$626/mo
▼ 0.25% · 3.875%
HK$10,294
−HK$315/mo
Today · 4.125%
HK$10,609
baseline
▲ 0.50% · 4.625%
HK$11,255
+HK$646/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,218/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$11,106
−HK$600/mo
▼ 0.25% · 3.875%
HK$11,404
−HK$302/mo
Today · 4.125%
HK$11,706
baseline
▲ 0.50% · 4.625%
HK$12,323
+HK$617/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,412/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$11,647
−HK$730/mo
▼ 0.25% · 3.875%
HK$12,009
−HK$368/mo
Today · 4.125%
HK$12,377
baseline
▲ 0.50% · 4.625%
HK$13,130
+HK$753/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,754/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$12,957
−HK$700/mo
▼ 0.25% · 3.875%
HK$13,305
−HK$352/mo
Today · 4.125%
HK$13,657
baseline
▲ 0.50% · 4.625%
HK$14,377
+HK$720/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,314/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$14,975
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,440
−HK$474/mo
Today · 4.125%
HK$15,914
baseline
▲ 0.50% · 4.625%
HK$16,882
+HK$968/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$31,828/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$16,659
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,106
−HK$453/mo
Today · 4.125%
HK$17,559
baseline
▲ 0.50% · 4.625%
HK$18,485
+HK$926/mo
Deposit HK$365K · loan HK$3.28M · min. income ≈ HK$35,118/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).