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$8,141
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,394
−HK$258/mo
Today · 4.125%
HK$8,652
baseline
▲ 0.50% · 4.625%
HK$9,178
+HK$526/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,304/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$9,057
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,300
−HK$246/mo
Today · 4.125%
HK$9,546
baseline
▲ 0.50% · 4.625%
HK$10,050
+HK$504/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,092/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$9,769
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,073
−HK$309/mo
Today · 4.125%
HK$10,382
baseline
▲ 0.50% · 4.625%
HK$11,014
+HK$632/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,764/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$10,868
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,160
−HK$296/mo
Today · 4.125%
HK$11,456
baseline
▲ 0.50% · 4.625%
HK$12,059
+HK$603/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,912/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$11,398
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,752
−HK$360/mo
Today · 4.125%
HK$12,112
baseline
▲ 0.50% · 4.625%
HK$12,849
+HK$737/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,224/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$12,680
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,020
−HK$345/mo
Today · 4.125%
HK$13,365
baseline
▲ 0.50% · 4.625%
HK$14,069
+HK$704/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,730/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$14,654
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,110
−HK$463/mo
Today · 4.125%
HK$15,573
baseline
▲ 0.50% · 4.625%
HK$16,521
+HK$948/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$31,146/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$16,303
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,740
−HK$443/mo
Today · 4.125%
HK$17,183
baseline
▲ 0.50% · 4.625%
HK$18,089
+HK$906/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$34,366/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).