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$8,150
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,403
−HK$258/mo
Today · 4.125%
HK$8,661
baseline
▲ 0.50% · 4.625%
HK$9,188
+HK$527/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,322/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$9,067
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,310
−HK$246/mo
Today · 4.125%
HK$9,556
baseline
▲ 0.50% · 4.625%
HK$10,060
+HK$504/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,112/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$9,780
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,084
−HK$309/mo
Today · 4.125%
HK$10,393
baseline
▲ 0.50% · 4.625%
HK$11,025
+HK$632/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,786/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$10,880
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,172
−HK$296/mo
Today · 4.125%
HK$11,468
baseline
▲ 0.50% · 4.625%
HK$12,072
+HK$604/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,936/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$11,410
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,765
−HK$360/mo
Today · 4.125%
HK$12,125
baseline
▲ 0.50% · 4.625%
HK$12,863
+HK$738/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,250/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$12,693
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,034
−HK$345/mo
Today · 4.125%
HK$13,379
baseline
▲ 0.50% · 4.625%
HK$14,084
+HK$705/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,758/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$14,670
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,126
−HK$464/mo
Today · 4.125%
HK$15,590
baseline
▲ 0.50% · 4.625%
HK$16,538
+HK$948/mo
Deposit HK$357K · loan HK$3.22M · min. income ≈ HK$31,180/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$16,320
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,758
−HK$444/mo
Today · 4.125%
HK$17,202
baseline
▲ 0.50% · 4.625%
HK$18,108
+HK$906/mo
Deposit HK$357K · loan HK$3.22M · min. income ≈ HK$34,404/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).