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$8,176
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,431
−HK$258/mo
Today · 4.125%
HK$8,689
baseline
▲ 0.50% · 4.625%
HK$9,218
+HK$529/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,378/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$9,096
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,340
−HK$247/mo
Today · 4.125%
HK$9,587
baseline
▲ 0.50% · 4.625%
HK$10,093
+HK$506/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,174/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$9,811
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,117
−HK$310/mo
Today · 4.125%
HK$10,427
baseline
▲ 0.50% · 4.625%
HK$11,061
+HK$634/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,854/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$10,915
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,208
−HK$297/mo
Today · 4.125%
HK$11,505
baseline
▲ 0.50% · 4.625%
HK$12,111
+HK$606/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$23,010/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$11,447
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,803
−HK$362/mo
Today · 4.125%
HK$12,165
baseline
▲ 0.50% · 4.625%
HK$12,905
+HK$740/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,330/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$12,734
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,076
−HK$346/mo
Today · 4.125%
HK$13,422
baseline
▲ 0.50% · 4.625%
HK$14,130
+HK$708/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,844/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$14,717
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,175
−HK$465/mo
Today · 4.125%
HK$15,640
baseline
▲ 0.50% · 4.625%
HK$16,592
+HK$952/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,280/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$16,373
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,812
−HK$445/mo
Today · 4.125%
HK$17,257
baseline
▲ 0.50% · 4.625%
HK$18,167
+HK$910/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,514/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).