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$8,180
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,435
−HK$258/mo
Today · 4.125%
HK$8,693
baseline
▲ 0.50% · 4.625%
HK$9,222
+HK$529/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,386/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$9,100
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,344
−HK$248/mo
Today · 4.125%
HK$9,592
baseline
▲ 0.50% · 4.625%
HK$10,098
+HK$506/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,184/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$9,816
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,121
−HK$311/mo
Today · 4.125%
HK$10,432
baseline
▲ 0.50% · 4.625%
HK$11,066
+HK$634/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,864/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$10,920
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,213
−HK$297/mo
Today · 4.125%
HK$11,510
baseline
▲ 0.50% · 4.625%
HK$12,117
+HK$607/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$23,020/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$11,452
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,808
−HK$362/mo
Today · 4.125%
HK$12,170
baseline
▲ 0.50% · 4.625%
HK$12,911
+HK$741/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,340/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$12,740
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,082
−HK$347/mo
Today · 4.125%
HK$13,429
baseline
▲ 0.50% · 4.625%
HK$14,137
+HK$708/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,858/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$14,724
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,182
−HK$465/mo
Today · 4.125%
HK$15,647
baseline
▲ 0.50% · 4.625%
HK$16,600
+HK$953/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,294/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$16,380
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,820
−HK$445/mo
Today · 4.125%
HK$17,265
baseline
▲ 0.50% · 4.625%
HK$18,176
+HK$911/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,530/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).