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$8,165
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,419
−HK$258/mo
Today · 4.125%
HK$8,677
baseline
▲ 0.50% · 4.625%
HK$9,205
+HK$528/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,354/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$9,084
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,327
−HK$248/mo
Today · 4.125%
HK$9,575
baseline
▲ 0.50% · 4.625%
HK$10,079
+HK$504/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,150/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$9,798
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,103
−HK$310/mo
Today · 4.125%
HK$10,413
baseline
▲ 0.50% · 4.625%
HK$11,046
+HK$633/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,826/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$10,901
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,193
−HK$296/mo
Today · 4.125%
HK$11,489
baseline
▲ 0.50% · 4.625%
HK$12,095
+HK$606/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,978/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$11,431
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,787
−HK$361/mo
Today · 4.125%
HK$12,148
baseline
▲ 0.50% · 4.625%
HK$12,887
+HK$739/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$24,296/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$12,717
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,058
−HK$346/mo
Today · 4.125%
HK$13,404
baseline
▲ 0.50% · 4.625%
HK$14,111
+HK$707/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$26,808/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$14,697
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,155
−HK$464/mo
Today · 4.125%
HK$15,619
baseline
▲ 0.50% · 4.625%
HK$16,570
+HK$951/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$31,238/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$16,351
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,789
−HK$445/mo
Today · 4.125%
HK$17,234
baseline
▲ 0.50% · 4.625%
HK$18,143
+HK$909/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$34,468/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).