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$8,164
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,418
−HK$258/mo
Today · 4.125%
HK$8,676
baseline
▲ 0.50% · 4.625%
HK$9,204
+HK$528/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,352/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$9,082
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,326
−HK$247/mo
Today · 4.125%
HK$9,573
baseline
▲ 0.50% · 4.625%
HK$10,077
+HK$504/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,146/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$9,797
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,101
−HK$310/mo
Today · 4.125%
HK$10,411
baseline
▲ 0.50% · 4.625%
HK$11,044
+HK$633/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,822/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$10,899
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,191
−HK$296/mo
Today · 4.125%
HK$11,487
baseline
▲ 0.50% · 4.625%
HK$12,093
+HK$606/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,974/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$11,429
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,785
−HK$361/mo
Today · 4.125%
HK$12,146
baseline
▲ 0.50% · 4.625%
HK$12,885
+HK$739/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$24,292/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$12,715
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,056
−HK$346/mo
Today · 4.125%
HK$13,402
baseline
▲ 0.50% · 4.625%
HK$14,108
+HK$706/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$26,804/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$14,695
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,152
−HK$464/mo
Today · 4.125%
HK$15,616
baseline
▲ 0.50% · 4.625%
HK$16,567
+HK$951/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$31,232/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$16,348
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,786
−HK$445/mo
Today · 4.125%
HK$17,231
baseline
▲ 0.50% · 4.625%
HK$18,139
+HK$908/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$34,462/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).