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$8,178
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,433
−HK$258/mo
Today · 4.125%
HK$8,691
baseline
▲ 0.50% · 4.625%
HK$9,220
+HK$529/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,382/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$9,098
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,342
−HK$248/mo
Today · 4.125%
HK$9,590
baseline
▲ 0.50% · 4.625%
HK$10,096
+HK$506/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,180/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$9,814
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,119
−HK$311/mo
Today · 4.125%
HK$10,430
baseline
▲ 0.50% · 4.625%
HK$11,064
+HK$634/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,860/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$10,918
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,211
−HK$297/mo
Today · 4.125%
HK$11,508
baseline
▲ 0.50% · 4.625%
HK$12,115
+HK$607/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$23,016/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$11,450
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,806
−HK$362/mo
Today · 4.125%
HK$12,168
baseline
▲ 0.50% · 4.625%
HK$12,908
+HK$740/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,336/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$12,738
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,079
−HK$347/mo
Today · 4.125%
HK$13,426
baseline
▲ 0.50% · 4.625%
HK$14,134
+HK$708/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,852/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$14,721
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,179
−HK$465/mo
Today · 4.125%
HK$15,644
baseline
▲ 0.50% · 4.625%
HK$16,596
+HK$952/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,288/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$16,377
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,816
−HK$446/mo
Today · 4.125%
HK$17,262
baseline
▲ 0.50% · 4.625%
HK$18,172
+HK$910/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,524/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).