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$8,168
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,422
−HK$258/mo
Today · 4.125%
HK$8,680
baseline
▲ 0.50% · 4.625%
HK$9,208
+HK$528/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,360/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$9,086
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,330
−HK$247/mo
Today · 4.125%
HK$9,577
baseline
▲ 0.50% · 4.625%
HK$10,082
+HK$505/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,154/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$9,801
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,106
−HK$310/mo
Today · 4.125%
HK$10,416
baseline
▲ 0.50% · 4.625%
HK$11,049
+HK$633/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,832/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$10,904
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,196
−HK$297/mo
Today · 4.125%
HK$11,493
baseline
▲ 0.50% · 4.625%
HK$12,099
+HK$606/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,986/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$11,435
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,790
−HK$362/mo
Today · 4.125%
HK$12,152
baseline
▲ 0.50% · 4.625%
HK$12,891
+HK$739/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$24,304/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$12,721
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,062
−HK$346/mo
Today · 4.125%
HK$13,408
baseline
▲ 0.50% · 4.625%
HK$14,115
+HK$707/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$26,816/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$14,702
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,159
−HK$465/mo
Today · 4.125%
HK$15,624
baseline
▲ 0.50% · 4.625%
HK$16,574
+HK$950/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$31,248/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$16,355
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,794
−HK$445/mo
Today · 4.125%
HK$17,239
baseline
▲ 0.50% · 4.625%
HK$18,148
+HK$909/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$34,478/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).