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$8,172
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,426
−HK$259/mo
Today · 4.125%
HK$8,685
baseline
▲ 0.50% · 4.625%
HK$9,213
+HK$528/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,370/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$9,092
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,335
−HK$248/mo
Today · 4.125%
HK$9,583
baseline
▲ 0.50% · 4.625%
HK$10,088
+HK$505/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,166/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$9,807
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,112
−HK$310/mo
Today · 4.125%
HK$10,422
baseline
▲ 0.50% · 4.625%
HK$11,056
+HK$634/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,844/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$10,910
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,202
−HK$297/mo
Today · 4.125%
HK$11,499
baseline
▲ 0.50% · 4.625%
HK$12,105
+HK$606/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,998/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$11,441
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,797
−HK$362/mo
Today · 4.125%
HK$12,159
baseline
▲ 0.50% · 4.625%
HK$12,898
+HK$739/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,318/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$12,728
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,069
−HK$347/mo
Today · 4.125%
HK$13,416
baseline
▲ 0.50% · 4.625%
HK$14,123
+HK$707/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,832/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$14,710
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,168
−HK$464/mo
Today · 4.125%
HK$15,632
baseline
▲ 0.50% · 4.625%
HK$16,584
+HK$952/mo
Deposit HK$358K · loan HK$3.23M · min. income ≈ HK$31,264/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$16,365
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,804
−HK$445/mo
Today · 4.125%
HK$17,249
baseline
▲ 0.50% · 4.625%
HK$18,158
+HK$909/mo
Deposit HK$358K · loan HK$3.23M · min. income ≈ HK$34,498/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).