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$8,164
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,418
−HK$258/mo
Today · 4.125%
HK$8,676
baseline
▲ 0.50% · 4.625%
HK$9,204
+HK$528/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,352/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$9,083
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,326
−HK$247/mo
Today · 4.125%
HK$9,573
baseline
▲ 0.50% · 4.625%
HK$10,078
+HK$505/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,146/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$9,797
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,102
−HK$309/mo
Today · 4.125%
HK$10,411
baseline
▲ 0.50% · 4.625%
HK$11,045
+HK$634/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,822/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$10,899
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,191
−HK$297/mo
Today · 4.125%
HK$11,488
baseline
▲ 0.50% · 4.625%
HK$12,094
+HK$606/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,976/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$11,430
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,785
−HK$362/mo
Today · 4.125%
HK$12,147
baseline
▲ 0.50% · 4.625%
HK$12,886
+HK$739/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$24,294/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$12,716
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,057
−HK$346/mo
Today · 4.125%
HK$13,403
baseline
▲ 0.50% · 4.625%
HK$14,109
+HK$706/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$26,806/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$14,696
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,153
−HK$464/mo
Today · 4.125%
HK$15,617
baseline
▲ 0.50% · 4.625%
HK$16,567
+HK$950/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$31,234/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$16,349
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,787
−HK$445/mo
Today · 4.125%
HK$17,232
baseline
▲ 0.50% · 4.625%
HK$18,140
+HK$908/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$34,464/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).