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$8,144
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,397
−HK$257/mo
Today · 4.125%
HK$8,654
baseline
▲ 0.50% · 4.625%
HK$9,181
+HK$527/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,308/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$9,060
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,303
−HK$246/mo
Today · 4.125%
HK$9,549
baseline
▲ 0.50% · 4.625%
HK$10,052
+HK$503/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,098/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$9,772
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,076
−HK$309/mo
Today · 4.125%
HK$10,385
baseline
▲ 0.50% · 4.625%
HK$11,017
+HK$632/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,770/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$10,872
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,163
−HK$296/mo
Today · 4.125%
HK$11,459
baseline
▲ 0.50% · 4.625%
HK$12,063
+HK$604/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,918/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$11,401
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,756
−HK$360/mo
Today · 4.125%
HK$12,116
baseline
▲ 0.50% · 4.625%
HK$12,853
+HK$737/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,232/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$12,684
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,024
−HK$345/mo
Today · 4.125%
HK$13,369
baseline
▲ 0.50% · 4.625%
HK$14,073
+HK$704/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,738/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$14,658
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,114
−HK$464/mo
Today · 4.125%
HK$15,578
baseline
▲ 0.50% · 4.625%
HK$16,526
+HK$948/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$31,156/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$16,307
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,745
−HK$443/mo
Today · 4.125%
HK$17,188
baseline
▲ 0.50% · 4.625%
HK$18,094
+HK$906/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$34,376/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).