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$8,152
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,406
−HK$257/mo
Today · 4.125%
HK$8,663
baseline
▲ 0.50% · 4.625%
HK$9,190
+HK$527/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,326/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$9,069
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,312
−HK$247/mo
Today · 4.125%
HK$9,559
baseline
▲ 0.50% · 4.625%
HK$10,063
+HK$504/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,118/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$9,782
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,087
−HK$309/mo
Today · 4.125%
HK$10,396
baseline
▲ 0.50% · 4.625%
HK$11,029
+HK$633/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,792/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$10,883
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,175
−HK$296/mo
Today · 4.125%
HK$11,471
baseline
▲ 0.50% · 4.625%
HK$12,076
+HK$605/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,942/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$11,413
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,768
−HK$361/mo
Today · 4.125%
HK$12,129
baseline
▲ 0.50% · 4.625%
HK$12,867
+HK$738/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,258/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$12,697
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,037
−HK$346/mo
Today · 4.125%
HK$13,383
baseline
▲ 0.50% · 4.625%
HK$14,088
+HK$705/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,766/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$14,674
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,130
−HK$464/mo
Today · 4.125%
HK$15,594
baseline
▲ 0.50% · 4.625%
HK$16,543
+HK$949/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$31,188/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$16,324
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,762
−HK$444/mo
Today · 4.125%
HK$17,206
baseline
▲ 0.50% · 4.625%
HK$18,113
+HK$907/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$34,412/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).