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$8,157
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,411
−HK$257/mo
Today · 4.125%
HK$8,668
baseline
▲ 0.50% · 4.625%
HK$9,196
+HK$528/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,336/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$9,074
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,318
−HK$247/mo
Today · 4.125%
HK$9,565
baseline
▲ 0.50% · 4.625%
HK$10,069
+HK$504/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,130/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$9,788
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,093
−HK$309/mo
Today · 4.125%
HK$10,402
baseline
▲ 0.50% · 4.625%
HK$11,035
+HK$633/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,804/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$10,889
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,181
−HK$297/mo
Today · 4.125%
HK$11,478
baseline
▲ 0.50% · 4.625%
HK$12,083
+HK$605/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,956/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$11,420
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,775
−HK$361/mo
Today · 4.125%
HK$12,136
baseline
▲ 0.50% · 4.625%
HK$12,874
+HK$738/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,272/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$12,704
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,045
−HK$346/mo
Today · 4.125%
HK$13,391
baseline
▲ 0.50% · 4.625%
HK$14,096
+HK$705/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,782/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$14,682
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,139
−HK$464/mo
Today · 4.125%
HK$15,603
baseline
▲ 0.50% · 4.625%
HK$16,552
+HK$949/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$31,206/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$16,334
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,772
−HK$444/mo
Today · 4.125%
HK$17,216
baseline
▲ 0.50% · 4.625%
HK$18,124
+HK$908/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$34,432/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).