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$8,159
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,413
−HK$258/mo
Today · 4.125%
HK$8,671
baseline
▲ 0.50% · 4.625%
HK$9,198
+HK$527/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,342/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$9,077
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,320
−HK$247/mo
Today · 4.125%
HK$9,567
baseline
▲ 0.50% · 4.625%
HK$10,071
+HK$504/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,134/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$9,791
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,095
−HK$310/mo
Today · 4.125%
HK$10,405
baseline
▲ 0.50% · 4.625%
HK$11,038
+HK$633/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,810/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$10,892
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,184
−HK$297/mo
Today · 4.125%
HK$11,481
baseline
▲ 0.50% · 4.625%
HK$12,086
+HK$605/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,962/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$11,423
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,778
−HK$361/mo
Today · 4.125%
HK$12,139
baseline
▲ 0.50% · 4.625%
HK$12,877
+HK$738/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,278/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$12,707
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,048
−HK$346/mo
Today · 4.125%
HK$13,394
baseline
▲ 0.50% · 4.625%
HK$14,100
+HK$706/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,788/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$14,686
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,143
−HK$464/mo
Today · 4.125%
HK$15,607
baseline
▲ 0.50% · 4.625%
HK$16,557
+HK$950/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$31,214/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$16,338
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,776
−HK$445/mo
Today · 4.125%
HK$17,221
baseline
▲ 0.50% · 4.625%
HK$18,129
+HK$908/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$34,442/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).