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$8,147
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,400
−HK$258/mo
Today · 4.125%
HK$8,658
baseline
▲ 0.50% · 4.625%
HK$9,184
+HK$526/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,316/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$9,063
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,306
−HK$247/mo
Today · 4.125%
HK$9,553
baseline
▲ 0.50% · 4.625%
HK$10,056
+HK$503/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,106/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$9,776
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,080
−HK$309/mo
Today · 4.125%
HK$10,389
baseline
▲ 0.50% · 4.625%
HK$11,021
+HK$632/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,778/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$10,876
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,167
−HK$296/mo
Today · 4.125%
HK$11,463
baseline
▲ 0.50% · 4.625%
HK$12,068
+HK$605/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,926/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$11,405
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,760
−HK$361/mo
Today · 4.125%
HK$12,121
baseline
▲ 0.50% · 4.625%
HK$12,858
+HK$737/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,242/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$12,688
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,029
−HK$345/mo
Today · 4.125%
HK$13,374
baseline
▲ 0.50% · 4.625%
HK$14,079
+HK$705/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,748/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$14,664
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,120
−HK$464/mo
Today · 4.125%
HK$15,584
baseline
▲ 0.50% · 4.625%
HK$16,532
+HK$948/mo
Deposit HK$357K · loan HK$3.22M · min. income ≈ HK$31,168/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,314
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,751
−HK$444/mo
Today · 4.125%
HK$17,195
baseline
▲ 0.50% · 4.625%
HK$18,101
+HK$906/mo
Deposit HK$357K · loan HK$3.22M · min. income ≈ HK$34,390/mo (50% DSR)
Upfront cash ≈ HK$357K (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).