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$8,185
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,440
−HK$258/mo
Today · 4.125%
HK$8,698
baseline
▲ 0.50% · 4.625%
HK$9,228
+HK$530/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,396/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$9,106
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,350
−HK$248/mo
Today · 4.125%
HK$9,598
baseline
▲ 0.50% · 4.625%
HK$10,104
+HK$506/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,196/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$9,822
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,128
−HK$310/mo
Today · 4.125%
HK$10,438
baseline
▲ 0.50% · 4.625%
HK$11,073
+HK$635/mo
Deposit HK$1.44M · loan HK$2.15M · min. income ≈ HK$20,876/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$10,927
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,220
−HK$297/mo
Today · 4.125%
HK$11,517
baseline
▲ 0.50% · 4.625%
HK$12,124
+HK$607/mo
Deposit HK$1.44M · loan HK$2.15M · min. income ≈ HK$23,034/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$11,459
−HK$719/mo
▼ 0.25% · 3.875%
HK$11,815
−HK$363/mo
Today · 4.125%
HK$12,178
baseline
▲ 0.50% · 4.625%
HK$12,919
+HK$741/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,356/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$12,748
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,090
−HK$347/mo
Today · 4.125%
HK$13,437
baseline
▲ 0.50% · 4.625%
HK$14,145
+HK$708/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,874/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$14,733
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,191
−HK$466/mo
Today · 4.125%
HK$15,657
baseline
▲ 0.50% · 4.625%
HK$16,610
+HK$953/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,314/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$16,390
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,830
−HK$446/mo
Today · 4.125%
HK$17,276
baseline
▲ 0.50% · 4.625%
HK$18,186
+HK$910/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,552/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).