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$8,182
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,437
−HK$258/mo
Today · 4.125%
HK$8,695
baseline
▲ 0.50% · 4.625%
HK$9,224
+HK$529/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,390/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$9,102
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,347
−HK$247/mo
Today · 4.125%
HK$9,594
baseline
▲ 0.50% · 4.625%
HK$10,100
+HK$506/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,188/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$9,818
−HK$616/mo
▼ 0.25% · 3.875%
HK$10,124
−HK$310/mo
Today · 4.125%
HK$10,434
baseline
▲ 0.50% · 4.625%
HK$11,069
+HK$635/mo
Deposit HK$1.44M · loan HK$2.15M · min. income ≈ HK$20,868/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$10,923
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,216
−HK$297/mo
Today · 4.125%
HK$11,513
baseline
▲ 0.50% · 4.625%
HK$12,120
+HK$607/mo
Deposit HK$1.44M · loan HK$2.15M · min. income ≈ HK$23,026/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$11,455
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,811
−HK$362/mo
Today · 4.125%
HK$12,173
baseline
▲ 0.50% · 4.625%
HK$12,914
+HK$741/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,346/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$12,743
−HK$689/mo
▼ 0.25% · 3.875%
HK$13,085
−HK$347/mo
Today · 4.125%
HK$13,432
baseline
▲ 0.50% · 4.625%
HK$14,140
+HK$708/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,864/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$14,728
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,186
−HK$465/mo
Today · 4.125%
HK$15,651
baseline
▲ 0.50% · 4.625%
HK$16,604
+HK$953/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,302/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$16,384
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,824
−HK$446/mo
Today · 4.125%
HK$17,270
baseline
▲ 0.50% · 4.625%
HK$18,180
+HK$910/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,540/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).