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$8,145
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,398
−HK$257/mo
Today · 4.125%
HK$8,655
baseline
▲ 0.50% · 4.625%
HK$9,182
+HK$527/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,310/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$9,061
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,304
−HK$246/mo
Today · 4.125%
HK$9,550
baseline
▲ 0.50% · 4.625%
HK$10,054
+HK$504/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,100/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$9,773
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,078
−HK$308/mo
Today · 4.125%
HK$10,386
baseline
▲ 0.50% · 4.625%
HK$11,018
+HK$632/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,772/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$10,873
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,165
−HK$295/mo
Today · 4.125%
HK$11,460
baseline
▲ 0.50% · 4.625%
HK$12,064
+HK$604/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,920/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$11,402
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,757
−HK$360/mo
Today · 4.125%
HK$12,117
baseline
▲ 0.50% · 4.625%
HK$12,855
+HK$738/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,234/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$12,685
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,025
−HK$345/mo
Today · 4.125%
HK$13,370
baseline
▲ 0.50% · 4.625%
HK$14,075
+HK$705/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,740/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$14,660
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,116
−HK$464/mo
Today · 4.125%
HK$15,580
baseline
▲ 0.50% · 4.625%
HK$16,528
+HK$948/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$31,160/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,309
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,747
−HK$444/mo
Today · 4.125%
HK$17,191
baseline
▲ 0.50% · 4.625%
HK$18,097
+HK$906/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$34,382/mo (50% DSR)
Upfront cash ≈ HK$357K (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).