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$8,173
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,427
−HK$258/mo
Today · 4.125%
HK$8,685
baseline
▲ 0.50% · 4.625%
HK$9,214
+HK$529/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$492/mo
▼ 0.25% · 3.875%
HK$9,336
−HK$248/mo
Today · 4.125%
HK$9,584
baseline
▲ 0.50% · 4.625%
HK$10,089
+HK$505/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,168/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$9,808
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,113
−HK$310/mo
Today · 4.125%
HK$10,423
baseline
▲ 0.50% · 4.625%
HK$11,057
+HK$634/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,846/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$10,911
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,203
−HK$297/mo
Today · 4.125%
HK$11,500
baseline
▲ 0.50% · 4.625%
HK$12,106
+HK$606/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$23,000/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$11,442
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,798
−HK$362/mo
Today · 4.125%
HK$12,160
baseline
▲ 0.50% · 4.625%
HK$12,900
+HK$740/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,320/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$12,729
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,071
−HK$346/mo
Today · 4.125%
HK$13,417
baseline
▲ 0.50% · 4.625%
HK$14,124
+HK$707/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,834/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$14,711
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,169
−HK$465/mo
Today · 4.125%
HK$15,634
baseline
▲ 0.50% · 4.625%
HK$16,585
+HK$951/mo
Deposit HK$358K · loan HK$3.23M · min. income ≈ HK$31,268/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$16,366
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,805
−HK$445/mo
Today · 4.125%
HK$17,250
baseline
▲ 0.50% · 4.625%
HK$18,160
+HK$910/mo
Deposit HK$358K · loan HK$3.23M · min. income ≈ HK$34,500/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).