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$8,153
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,407
−HK$257/mo
Today · 4.125%
HK$8,664
baseline
▲ 0.50% · 4.625%
HK$9,192
+HK$528/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,328/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$9,070
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,314
−HK$246/mo
Today · 4.125%
HK$9,560
baseline
▲ 0.50% · 4.625%
HK$10,064
+HK$504/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,120/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$9,784
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,088
−HK$309/mo
Today · 4.125%
HK$10,397
baseline
▲ 0.50% · 4.625%
HK$11,030
+HK$633/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,794/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$10,884
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,176
−HK$296/mo
Today · 4.125%
HK$11,472
baseline
▲ 0.50% · 4.625%
HK$12,077
+HK$605/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,944/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$11,414
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,769
−HK$361/mo
Today · 4.125%
HK$12,130
baseline
▲ 0.50% · 4.625%
HK$12,868
+HK$738/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,260/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$12,698
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,039
−HK$345/mo
Today · 4.125%
HK$13,384
baseline
▲ 0.50% · 4.625%
HK$14,090
+HK$706/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,768/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$14,676
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,132
−HK$464/mo
Today · 4.125%
HK$15,596
baseline
▲ 0.50% · 4.625%
HK$16,545
+HK$949/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$31,192/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$16,326
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,764
−HK$445/mo
Today · 4.125%
HK$17,209
baseline
▲ 0.50% · 4.625%
HK$18,116
+HK$907/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$34,418/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).