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$8,163
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,416
−HK$258/mo
Today · 4.125%
HK$8,674
baseline
▲ 0.50% · 4.625%
HK$9,202
+HK$528/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,348/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$9,081
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,324
−HK$247/mo
Today · 4.125%
HK$9,571
baseline
▲ 0.50% · 4.625%
HK$10,076
+HK$505/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,142/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$9,795
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,100
−HK$309/mo
Today · 4.125%
HK$10,409
baseline
▲ 0.50% · 4.625%
HK$11,043
+HK$634/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,818/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$10,897
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,189
−HK$297/mo
Today · 4.125%
HK$11,486
baseline
▲ 0.50% · 4.625%
HK$12,091
+HK$605/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,972/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$11,428
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,783
−HK$361/mo
Today · 4.125%
HK$12,144
baseline
▲ 0.50% · 4.625%
HK$12,883
+HK$739/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$24,288/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$12,713
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,054
−HK$346/mo
Today · 4.125%
HK$13,400
baseline
▲ 0.50% · 4.625%
HK$14,106
+HK$706/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$26,800/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$14,693
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,150
−HK$464/mo
Today · 4.125%
HK$15,614
baseline
▲ 0.50% · 4.625%
HK$16,564
+HK$950/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$31,228/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$16,345
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,784
−HK$444/mo
Today · 4.125%
HK$17,228
baseline
▲ 0.50% · 4.625%
HK$18,137
+HK$909/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$34,456/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).