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$8,171
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,425
−HK$258/mo
Today · 4.125%
HK$8,683
baseline
▲ 0.50% · 4.625%
HK$9,211
+HK$528/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,366/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$9,090
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,333
−HK$248/mo
Today · 4.125%
HK$9,581
baseline
▲ 0.50% · 4.625%
HK$10,086
+HK$505/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,162/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$9,805
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,110
−HK$309/mo
Today · 4.125%
HK$10,419
baseline
▲ 0.50% · 4.625%
HK$11,053
+HK$634/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,838/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$10,908
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,200
−HK$297/mo
Today · 4.125%
HK$11,497
baseline
▲ 0.50% · 4.625%
HK$12,103
+HK$606/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,994/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$11,439
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,795
−HK$361/mo
Today · 4.125%
HK$12,156
baseline
▲ 0.50% · 4.625%
HK$12,896
+HK$740/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$24,312/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$12,725
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,067
−HK$346/mo
Today · 4.125%
HK$13,413
baseline
▲ 0.50% · 4.625%
HK$14,120
+HK$707/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$26,826/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$14,707
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,164
−HK$465/mo
Today · 4.125%
HK$15,629
baseline
▲ 0.50% · 4.625%
HK$16,580
+HK$951/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$31,258/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$16,361
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,800
−HK$445/mo
Today · 4.125%
HK$17,245
baseline
▲ 0.50% · 4.625%
HK$18,154
+HK$909/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$34,490/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).