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$8,146
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,399
−HK$258/mo
Today · 4.125%
HK$8,657
baseline
▲ 0.50% · 4.625%
HK$9,183
+HK$526/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,314/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$9,062
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,305
−HK$247/mo
Today · 4.125%
HK$9,552
baseline
▲ 0.50% · 4.625%
HK$10,055
+HK$503/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,104/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$9,775
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,079
−HK$309/mo
Today · 4.125%
HK$10,388
baseline
▲ 0.50% · 4.625%
HK$11,020
+HK$632/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,776/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$10,875
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,166
−HK$296/mo
Today · 4.125%
HK$11,462
baseline
▲ 0.50% · 4.625%
HK$12,066
+HK$604/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,924/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$11,404
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,759
−HK$360/mo
Today · 4.125%
HK$12,119
baseline
▲ 0.50% · 4.625%
HK$12,857
+HK$738/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,238/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$12,687
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,027
−HK$346/mo
Today · 4.125%
HK$13,373
baseline
▲ 0.50% · 4.625%
HK$14,077
+HK$704/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,746/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$14,663
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,119
−HK$463/mo
Today · 4.125%
HK$15,582
baseline
▲ 0.50% · 4.625%
HK$16,530
+HK$948/mo
Deposit HK$357K · loan HK$3.22M · min. income ≈ HK$31,164/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$16,312
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,750
−HK$443/mo
Today · 4.125%
HK$17,193
baseline
▲ 0.50% · 4.625%
HK$18,100
+HK$907/mo
Deposit HK$357K · loan HK$3.22M · min. income ≈ HK$34,386/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).