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$8,156
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,410
−HK$258/mo
Today · 4.125%
HK$8,668
baseline
▲ 0.50% · 4.625%
HK$9,195
+HK$527/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,336/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,074
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,317
−HK$247/mo
Today · 4.125%
HK$9,564
baseline
▲ 0.50% · 4.625%
HK$10,068
+HK$504/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,128/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,788
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,092
−HK$309/mo
Today · 4.125%
HK$10,401
baseline
▲ 0.50% · 4.625%
HK$11,034
+HK$633/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,802/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,889
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,181
−HK$296/mo
Today · 4.125%
HK$11,477
baseline
▲ 0.50% · 4.625%
HK$12,082
+HK$605/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,954/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,419
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,774
−HK$361/mo
Today · 4.125%
HK$12,135
baseline
▲ 0.50% · 4.625%
HK$12,873
+HK$738/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,270/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,703
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,044
−HK$346/mo
Today · 4.125%
HK$13,390
baseline
▲ 0.50% · 4.625%
HK$14,095
+HK$705/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,780/mo (50% DSR)
Upfront cash ≈ HK$1.07M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,681
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,138
−HK$464/mo
Today · 4.125%
HK$15,602
baseline
▲ 0.50% · 4.625%
HK$16,551
+HK$949/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$31,204/mo (50% DSR)
Upfront cash ≈ HK$358K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,333
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,771
−HK$444/mo
Today · 4.125%
HK$17,215
baseline
▲ 0.50% · 4.625%
HK$18,123
+HK$908/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$34,430/mo (50% DSR)
Upfront cash ≈ HK$358K (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).