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$8,184
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,438
−HK$259/mo
Today · 4.125%
HK$8,697
baseline
▲ 0.50% · 4.625%
HK$9,226
+HK$529/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,394/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$9,104
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,348
−HK$248/mo
Today · 4.125%
HK$9,596
baseline
▲ 0.50% · 4.625%
HK$10,102
+HK$506/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,192/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$9,820
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,126
−HK$310/mo
Today · 4.125%
HK$10,436
baseline
▲ 0.50% · 4.625%
HK$11,071
+HK$635/mo
Deposit HK$1.44M · loan HK$2.15M · min. income ≈ HK$20,872/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,925
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,218
−HK$297/mo
Today · 4.125%
HK$11,515
baseline
▲ 0.50% · 4.625%
HK$12,122
+HK$607/mo
Deposit HK$1.44M · loan HK$2.15M · min. income ≈ HK$23,030/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,457
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,813
−HK$362/mo
Today · 4.125%
HK$12,175
baseline
▲ 0.50% · 4.625%
HK$12,916
+HK$741/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,350/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,746
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,088
−HK$346/mo
Today · 4.125%
HK$13,434
baseline
▲ 0.50% · 4.625%
HK$14,142
+HK$708/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,868/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,730
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,189
−HK$465/mo
Today · 4.125%
HK$15,654
baseline
▲ 0.50% · 4.625%
HK$16,607
+HK$953/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,308/mo (50% DSR)
Upfront cash ≈ HK$359K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,387
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,827
−HK$446/mo
Today · 4.125%
HK$17,273
baseline
▲ 0.50% · 4.625%
HK$18,183
+HK$910/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,546/mo (50% DSR)
Upfront cash ≈ HK$359K (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).