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$8,161
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,415
−HK$257/mo
Today · 4.125%
HK$8,672
baseline
▲ 0.50% · 4.625%
HK$9,200
+HK$528/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,344/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$9,079
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,322
−HK$247/mo
Today · 4.125%
HK$9,569
baseline
▲ 0.50% · 4.625%
HK$10,074
+HK$505/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,138/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$9,793
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,097
−HK$310/mo
Today · 4.125%
HK$10,407
baseline
▲ 0.50% · 4.625%
HK$11,040
+HK$633/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,814/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$10,894
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,187
−HK$296/mo
Today · 4.125%
HK$11,483
baseline
▲ 0.50% · 4.625%
HK$12,088
+HK$605/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,966/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$11,425
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,780
−HK$361/mo
Today · 4.125%
HK$12,141
baseline
▲ 0.50% · 4.625%
HK$12,880
+HK$739/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$24,282/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$12,710
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,051
−HK$346/mo
Today · 4.125%
HK$13,397
baseline
▲ 0.50% · 4.625%
HK$14,103
+HK$706/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$26,794/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$14,689
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,146
−HK$464/mo
Today · 4.125%
HK$15,610
baseline
▲ 0.50% · 4.625%
HK$16,560
+HK$950/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$31,220/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$16,342
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,780
−HK$445/mo
Today · 4.125%
HK$17,225
baseline
▲ 0.50% · 4.625%
HK$18,132
+HK$907/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$34,450/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).