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$8,170
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,424
−HK$258/mo
Today · 4.125%
HK$8,682
baseline
▲ 0.50% · 4.625%
HK$9,211
+HK$529/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,364/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$9,089
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,333
−HK$247/mo
Today · 4.125%
HK$9,580
baseline
▲ 0.50% · 4.625%
HK$10,085
+HK$505/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,160/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$9,804
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,109
−HK$310/mo
Today · 4.125%
HK$10,419
baseline
▲ 0.50% · 4.625%
HK$11,053
+HK$634/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,838/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$10,907
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,199
−HK$297/mo
Today · 4.125%
HK$11,496
baseline
▲ 0.50% · 4.625%
HK$12,102
+HK$606/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,992/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$11,438
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,794
−HK$361/mo
Today · 4.125%
HK$12,155
baseline
▲ 0.50% · 4.625%
HK$12,895
+HK$740/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$24,310/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$12,725
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,066
−HK$346/mo
Today · 4.125%
HK$13,412
baseline
▲ 0.50% · 4.625%
HK$14,119
+HK$707/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$26,824/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$14,706
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,163
−HK$465/mo
Today · 4.125%
HK$15,628
baseline
▲ 0.50% · 4.625%
HK$16,579
+HK$951/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$31,256/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$16,360
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,799
−HK$445/mo
Today · 4.125%
HK$17,244
baseline
▲ 0.50% · 4.625%
HK$18,153
+HK$909/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$34,488/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).