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$8,177
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,432
−HK$258/mo
Today · 4.125%
HK$8,690
baseline
▲ 0.50% · 4.625%
HK$9,219
+HK$529/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,380/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$9,097
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,341
−HK$248/mo
Today · 4.125%
HK$9,589
baseline
▲ 0.50% · 4.625%
HK$10,094
+HK$505/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,178/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$9,813
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,118
−HK$310/mo
Today · 4.125%
HK$10,428
baseline
▲ 0.50% · 4.625%
HK$11,063
+HK$635/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,856/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$10,917
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,209
−HK$297/mo
Today · 4.125%
HK$11,506
baseline
▲ 0.50% · 4.625%
HK$12,113
+HK$607/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$23,012/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$11,448
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,804
−HK$362/mo
Today · 4.125%
HK$12,166
baseline
▲ 0.50% · 4.625%
HK$12,906
+HK$740/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,332/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$12,736
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,078
−HK$346/mo
Today · 4.125%
HK$13,424
baseline
▲ 0.50% · 4.625%
HK$14,132
+HK$708/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,848/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$14,719
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,177
−HK$465/mo
Today · 4.125%
HK$15,642
baseline
▲ 0.50% · 4.625%
HK$16,594
+HK$952/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,284/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$16,375
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,814
−HK$446/mo
Today · 4.125%
HK$17,260
baseline
▲ 0.50% · 4.625%
HK$18,169
+HK$909/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,520/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).