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$8,151
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,405
−HK$257/mo
Today · 4.125%
HK$8,662
baseline
▲ 0.50% · 4.625%
HK$9,189
+HK$527/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,324/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$9,068
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,311
−HK$247/mo
Today · 4.125%
HK$9,558
baseline
▲ 0.50% · 4.625%
HK$10,062
+HK$504/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,116/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$9,781
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,086
−HK$309/mo
Today · 4.125%
HK$10,395
baseline
▲ 0.50% · 4.625%
HK$11,027
+HK$632/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,790/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$10,882
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,174
−HK$296/mo
Today · 4.125%
HK$11,470
baseline
▲ 0.50% · 4.625%
HK$12,074
+HK$604/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,940/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$11,412
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,767
−HK$360/mo
Today · 4.125%
HK$12,127
baseline
▲ 0.50% · 4.625%
HK$12,865
+HK$738/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,254/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$12,695
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,036
−HK$345/mo
Today · 4.125%
HK$13,381
baseline
▲ 0.50% · 4.625%
HK$14,087
+HK$706/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,762/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$14,672
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,129
−HK$463/mo
Today · 4.125%
HK$15,592
baseline
▲ 0.50% · 4.625%
HK$16,541
+HK$949/mo
Deposit HK$357K · loan HK$3.22M · min. income ≈ HK$31,184/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$16,323
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,760
−HK$445/mo
Today · 4.125%
HK$17,205
baseline
▲ 0.50% · 4.625%
HK$18,111
+HK$906/mo
Deposit HK$357K · loan HK$3.22M · min. income ≈ HK$34,410/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).