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$8,181
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,435
−HK$259/mo
Today · 4.125%
HK$8,694
baseline
▲ 0.50% · 4.625%
HK$9,223
+HK$529/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,388/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$9,101
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,345
−HK$247/mo
Today · 4.125%
HK$9,592
baseline
▲ 0.50% · 4.625%
HK$10,098
+HK$506/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,184/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$9,817
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,122
−HK$310/mo
Today · 4.125%
HK$10,432
baseline
▲ 0.50% · 4.625%
HK$11,067
+HK$635/mo
Deposit HK$1.44M · loan HK$2.15M · min. income ≈ HK$20,864/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$10,921
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,214
−HK$297/mo
Today · 4.125%
HK$11,511
baseline
▲ 0.50% · 4.625%
HK$12,118
+HK$607/mo
Deposit HK$1.44M · loan HK$2.15M · min. income ≈ HK$23,022/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$11,453
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,809
−HK$362/mo
Today · 4.125%
HK$12,171
baseline
▲ 0.50% · 4.625%
HK$12,912
+HK$741/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,342/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$12,741
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,083
−HK$346/mo
Today · 4.125%
HK$13,429
baseline
▲ 0.50% · 4.625%
HK$14,137
+HK$708/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,858/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$14,725
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,183
−HK$465/mo
Today · 4.125%
HK$15,648
baseline
▲ 0.50% · 4.625%
HK$16,601
+HK$953/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,296/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$16,381
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,821
−HK$445/mo
Today · 4.125%
HK$17,266
baseline
▲ 0.50% · 4.625%
HK$18,177
+HK$911/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,532/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).