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$8,305
−HK$521/mo
▼ 0.25% · 3.875%
HK$8,564
−HK$262/mo
Today · 4.125%
HK$8,826
baseline
▲ 0.50% · 4.625%
HK$9,363
+HK$537/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$17,652/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$9,240
−HK$499/mo
▼ 0.25% · 3.875%
HK$9,487
−HK$252/mo
Today · 4.125%
HK$9,739
baseline
▲ 0.50% · 4.625%
HK$10,252
+HK$513/mo
Deposit HK$1.82M · loan HK$1.82M · min. income ≈ HK$19,478/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$9,966
−HK$625/mo
▼ 0.25% · 3.875%
HK$10,276
−HK$315/mo
Today · 4.125%
HK$10,591
baseline
▲ 0.50% · 4.625%
HK$11,236
+HK$645/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$21,182/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$11,088
−HK$599/mo
▼ 0.25% · 3.875%
HK$11,385
−HK$302/mo
Today · 4.125%
HK$11,687
baseline
▲ 0.50% · 4.625%
HK$12,303
+HK$616/mo
Deposit HK$1.46M · loan HK$2.19M · min. income ≈ HK$23,374/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$11,628
−HK$729/mo
▼ 0.25% · 3.875%
HK$11,989
−HK$368/mo
Today · 4.125%
HK$12,357
baseline
▲ 0.50% · 4.625%
HK$13,109
+HK$752/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$24,714/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$12,936
−HK$698/mo
▼ 0.25% · 3.875%
HK$13,282
−HK$352/mo
Today · 4.125%
HK$13,634
baseline
▲ 0.50% · 4.625%
HK$14,353
+HK$719/mo
Deposit HK$1.09M · loan HK$2.55M · min. income ≈ HK$27,268/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$14,950
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,415
−HK$472/mo
Today · 4.125%
HK$15,887
baseline
▲ 0.50% · 4.625%
HK$16,854
+HK$967/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$31,774/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$16,631
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,077
−HK$453/mo
Today · 4.125%
HK$17,530
baseline
▲ 0.50% · 4.625%
HK$18,454
+HK$924/mo
Deposit HK$364K · loan HK$3.28M · min. income ≈ HK$35,060/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).