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$8,176
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,430
−HK$258/mo
Today · 4.125%
HK$8,688
baseline
▲ 0.50% · 4.625%
HK$9,217
+HK$529/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,376/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$9,095
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,339
−HK$248/mo
Today · 4.125%
HK$9,587
baseline
▲ 0.50% · 4.625%
HK$10,092
+HK$505/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,174/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$9,811
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,116
−HK$310/mo
Today · 4.125%
HK$10,426
baseline
▲ 0.50% · 4.625%
HK$11,060
+HK$634/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,852/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$10,914
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,207
−HK$297/mo
Today · 4.125%
HK$11,504
baseline
▲ 0.50% · 4.625%
HK$12,111
+HK$607/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$23,008/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$11,446
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,802
−HK$362/mo
Today · 4.125%
HK$12,164
baseline
▲ 0.50% · 4.625%
HK$12,904
+HK$740/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,328/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$12,734
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,075
−HK$347/mo
Today · 4.125%
HK$13,422
baseline
▲ 0.50% · 4.625%
HK$14,129
+HK$707/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,844/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$14,716
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,174
−HK$465/mo
Today · 4.125%
HK$15,639
baseline
▲ 0.50% · 4.625%
HK$16,591
+HK$952/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,278/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$16,372
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,811
−HK$445/mo
Today · 4.125%
HK$17,256
baseline
▲ 0.50% · 4.625%
HK$18,166
+HK$910/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,512/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).