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$8,179
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,433
−HK$259/mo
Today · 4.125%
HK$8,692
baseline
▲ 0.50% · 4.625%
HK$9,221
+HK$529/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,384/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$9,099
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,343
−HK$248/mo
Today · 4.125%
HK$9,591
baseline
▲ 0.50% · 4.625%
HK$10,096
+HK$505/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,182/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$9,815
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,120
−HK$310/mo
Today · 4.125%
HK$10,430
baseline
▲ 0.50% · 4.625%
HK$11,065
+HK$635/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,860/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$10,919
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,212
−HK$297/mo
Today · 4.125%
HK$11,509
baseline
▲ 0.50% · 4.625%
HK$12,115
+HK$606/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$23,018/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$11,451
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,807
−HK$362/mo
Today · 4.125%
HK$12,169
baseline
▲ 0.50% · 4.625%
HK$12,909
+HK$740/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,338/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$12,739
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,080
−HK$347/mo
Today · 4.125%
HK$13,427
baseline
▲ 0.50% · 4.625%
HK$14,135
+HK$708/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,854/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$14,722
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,180
−HK$465/mo
Today · 4.125%
HK$15,645
baseline
▲ 0.50% · 4.625%
HK$16,597
+HK$952/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,290/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$16,378
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,818
−HK$445/mo
Today · 4.125%
HK$17,263
baseline
▲ 0.50% · 4.625%
HK$18,173
+HK$910/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,526/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).