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$8,184
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,439
−HK$258/mo
Today · 4.125%
HK$8,697
baseline
▲ 0.50% · 4.625%
HK$9,227
+HK$530/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,394/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$9,105
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,349
−HK$248/mo
Today · 4.125%
HK$9,597
baseline
▲ 0.50% · 4.625%
HK$10,103
+HK$506/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,194/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$9,821
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,127
−HK$310/mo
Today · 4.125%
HK$10,437
baseline
▲ 0.50% · 4.625%
HK$11,072
+HK$635/mo
Deposit HK$1.44M · loan HK$2.15M · min. income ≈ HK$20,874/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,926
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,219
−HK$297/mo
Today · 4.125%
HK$11,516
baseline
▲ 0.50% · 4.625%
HK$12,123
+HK$607/mo
Deposit HK$1.44M · loan HK$2.15M · min. income ≈ HK$23,032/mo (50% DSR)
Upfront cash ≈ HK$1.44M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,458
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,814
−HK$362/mo
Today · 4.125%
HK$12,176
baseline
▲ 0.50% · 4.625%
HK$12,917
+HK$741/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,352/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$12,747
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,089
−HK$347/mo
Today · 4.125%
HK$13,436
baseline
▲ 0.50% · 4.625%
HK$14,144
+HK$708/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,872/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$14,732
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,190
−HK$465/mo
Today · 4.125%
HK$15,655
baseline
▲ 0.50% · 4.625%
HK$16,608
+HK$953/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,310/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$16,389
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,828
−HK$446/mo
Today · 4.125%
HK$17,274
baseline
▲ 0.50% · 4.625%
HK$18,185
+HK$911/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,548/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).