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$8,142
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,396
−HK$257/mo
Today · 4.125%
HK$8,653
baseline
▲ 0.50% · 4.625%
HK$9,180
+HK$527/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,306/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$9,058
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,301
−HK$247/mo
Today · 4.125%
HK$9,548
baseline
▲ 0.50% · 4.625%
HK$10,051
+HK$503/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,096/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$9,771
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,075
−HK$309/mo
Today · 4.125%
HK$10,384
baseline
▲ 0.50% · 4.625%
HK$11,015
+HK$631/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,768/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$10,870
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,162
−HK$295/mo
Today · 4.125%
HK$11,457
baseline
▲ 0.50% · 4.625%
HK$12,061
+HK$604/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,914/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$11,399
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,754
−HK$360/mo
Today · 4.125%
HK$12,114
baseline
▲ 0.50% · 4.625%
HK$12,851
+HK$737/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,228/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$12,682
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,022
−HK$345/mo
Today · 4.125%
HK$13,367
baseline
▲ 0.50% · 4.625%
HK$14,071
+HK$704/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,734/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$14,656
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,112
−HK$463/mo
Today · 4.125%
HK$15,575
baseline
▲ 0.50% · 4.625%
HK$16,523
+HK$948/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$31,150/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,305
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,742
−HK$444/mo
Today · 4.125%
HK$17,186
baseline
▲ 0.50% · 4.625%
HK$18,092
+HK$906/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$34,372/mo (50% DSR)
Upfront cash ≈ HK$357K (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).