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$8,166
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,420
−HK$258/mo
Today · 4.125%
HK$8,678
baseline
▲ 0.50% · 4.625%
HK$9,206
+HK$528/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,356/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$9,085
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,328
−HK$247/mo
Today · 4.125%
HK$9,575
baseline
▲ 0.50% · 4.625%
HK$10,080
+HK$505/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$9,799
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,104
−HK$310/mo
Today · 4.125%
HK$10,414
baseline
▲ 0.50% · 4.625%
HK$11,047
+HK$633/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,828/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$589/mo
▼ 0.25% · 3.875%
HK$11,194
−HK$296/mo
Today · 4.125%
HK$11,490
baseline
▲ 0.50% · 4.625%
HK$12,096
+HK$606/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,980/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$11,432
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,788
−HK$361/mo
Today · 4.125%
HK$12,149
baseline
▲ 0.50% · 4.625%
HK$12,889
+HK$740/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$24,298/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$12,718
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,060
−HK$346/mo
Today · 4.125%
HK$13,406
baseline
▲ 0.50% · 4.625%
HK$14,112
+HK$706/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$26,812/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$14,699
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,156
−HK$465/mo
Today · 4.125%
HK$15,621
baseline
▲ 0.50% · 4.625%
HK$16,571
+HK$950/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$31,242/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$16,352
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,791
−HK$445/mo
Today · 4.125%
HK$17,236
baseline
▲ 0.50% · 4.625%
HK$18,144
+HK$908/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$34,472/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).