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$8,181
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,436
−HK$258/mo
Today · 4.125%
HK$8,694
baseline
▲ 0.50% · 4.625%
HK$9,223
+HK$529/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,388/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$9,101
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,345
−HK$248/mo
Today · 4.125%
HK$9,593
baseline
▲ 0.50% · 4.625%
HK$10,099
+HK$506/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,186/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$9,817
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,123
−HK$310/mo
Today · 4.125%
HK$10,433
baseline
▲ 0.50% · 4.625%
HK$11,068
+HK$635/mo
Deposit HK$1.44M · loan HK$2.15M · min. income ≈ HK$20,866/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,922
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,214
−HK$298/mo
Today · 4.125%
HK$11,512
baseline
▲ 0.50% · 4.625%
HK$12,118
+HK$606/mo
Deposit HK$1.44M · loan HK$2.15M · min. income ≈ HK$23,024/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,453
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,810
−HK$362/mo
Today · 4.125%
HK$12,172
baseline
▲ 0.50% · 4.625%
HK$12,912
+HK$740/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,344/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,742
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,084
−HK$346/mo
Today · 4.125%
HK$13,430
baseline
▲ 0.50% · 4.625%
HK$14,138
+HK$708/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,860/mo (50% DSR)
Upfront cash ≈ HK$1.08M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,726
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,184
−HK$465/mo
Today · 4.125%
HK$15,649
baseline
▲ 0.50% · 4.625%
HK$16,602
+HK$953/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,298/mo (50% DSR)
Upfront cash ≈ HK$359K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,382
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,822
−HK$445/mo
Today · 4.125%
HK$17,267
baseline
▲ 0.50% · 4.625%
HK$18,178
+HK$911/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,534/mo (50% DSR)
Upfront cash ≈ HK$359K (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).