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$8,174
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,428
−HK$258/mo
Today · 4.125%
HK$8,686
baseline
▲ 0.50% · 4.625%
HK$9,215
+HK$529/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,372/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$9,093
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,337
−HK$247/mo
Today · 4.125%
HK$9,584
baseline
▲ 0.50% · 4.625%
HK$10,090
+HK$506/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,168/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$9,808
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,113
−HK$310/mo
Today · 4.125%
HK$10,423
baseline
▲ 0.50% · 4.625%
HK$11,058
+HK$635/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,846/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$10,912
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,204
−HK$297/mo
Today · 4.125%
HK$11,501
baseline
▲ 0.50% · 4.625%
HK$12,108
+HK$607/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$23,002/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$11,443
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,799
−HK$362/mo
Today · 4.125%
HK$12,161
baseline
▲ 0.50% · 4.625%
HK$12,901
+HK$740/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,322/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$12,730
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,072
−HK$346/mo
Today · 4.125%
HK$13,418
baseline
▲ 0.50% · 4.625%
HK$14,125
+HK$707/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,836/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$14,713
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,170
−HK$465/mo
Today · 4.125%
HK$15,635
baseline
▲ 0.50% · 4.625%
HK$16,587
+HK$952/mo
Deposit HK$358K · loan HK$3.23M · min. income ≈ HK$31,270/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$16,368
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,807
−HK$445/mo
Today · 4.125%
HK$17,252
baseline
▲ 0.50% · 4.625%
HK$18,161
+HK$909/mo
Deposit HK$358K · loan HK$3.23M · min. income ≈ HK$34,504/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).