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$8,160
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,414
−HK$258/mo
Today · 4.125%
HK$8,672
baseline
▲ 0.50% · 4.625%
HK$9,199
+HK$527/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,344/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$9,078
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,322
−HK$247/mo
Today · 4.125%
HK$9,569
baseline
▲ 0.50% · 4.625%
HK$10,073
+HK$504/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,138/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$9,792
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,097
−HK$309/mo
Today · 4.125%
HK$10,406
baseline
▲ 0.50% · 4.625%
HK$11,039
+HK$633/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,812/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$10,894
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,186
−HK$296/mo
Today · 4.125%
HK$11,482
baseline
▲ 0.50% · 4.625%
HK$12,087
+HK$605/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,964/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$11,424
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,780
−HK$361/mo
Today · 4.125%
HK$12,141
baseline
▲ 0.50% · 4.625%
HK$12,879
+HK$738/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$24,282/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$12,709
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,050
−HK$346/mo
Today · 4.125%
HK$13,396
baseline
▲ 0.50% · 4.625%
HK$14,102
+HK$706/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$26,792/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$14,688
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,145
−HK$464/mo
Today · 4.125%
HK$15,609
baseline
▲ 0.50% · 4.625%
HK$16,559
+HK$950/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$31,218/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$16,340
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,779
−HK$444/mo
Today · 4.125%
HK$17,223
baseline
▲ 0.50% · 4.625%
HK$18,131
+HK$908/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$34,446/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).