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$8,167
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,421
−HK$258/mo
Today · 4.125%
HK$8,679
baseline
▲ 0.50% · 4.625%
HK$9,207
+HK$528/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,358/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$9,085
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,329
−HK$247/mo
Today · 4.125%
HK$9,576
baseline
▲ 0.50% · 4.625%
HK$10,081
+HK$505/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,152/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$9,800
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,105
−HK$309/mo
Today · 4.125%
HK$10,414
baseline
▲ 0.50% · 4.625%
HK$11,048
+HK$634/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,828/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$10,902
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,195
−HK$296/mo
Today · 4.125%
HK$11,491
baseline
▲ 0.50% · 4.625%
HK$12,097
+HK$606/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,982/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$11,433
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,789
−HK$361/mo
Today · 4.125%
HK$12,150
baseline
▲ 0.50% · 4.625%
HK$12,890
+HK$740/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$24,300/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$12,719
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,061
−HK$346/mo
Today · 4.125%
HK$13,407
baseline
▲ 0.50% · 4.625%
HK$14,113
+HK$706/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$26,814/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$14,700
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,157
−HK$465/mo
Today · 4.125%
HK$15,622
baseline
▲ 0.50% · 4.625%
HK$16,572
+HK$950/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$31,244/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$16,354
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,792
−HK$445/mo
Today · 4.125%
HK$17,237
baseline
▲ 0.50% · 4.625%
HK$18,146
+HK$909/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$34,474/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).