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$8,178
−HK$513/mo
▼ 0.25% · 3.875%
HK$8,432
−HK$259/mo
Today · 4.125%
HK$8,691
baseline
▲ 0.50% · 4.625%
HK$9,220
+HK$529/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,382/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$9,098
−HK$492/mo
▼ 0.25% · 3.875%
HK$9,342
−HK$248/mo
Today · 4.125%
HK$9,590
baseline
▲ 0.50% · 4.625%
HK$10,095
+HK$505/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,180/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$9,814
−HK$615/mo
▼ 0.25% · 3.875%
HK$10,119
−HK$310/mo
Today · 4.125%
HK$10,429
baseline
▲ 0.50% · 4.625%
HK$11,064
+HK$635/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,858/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$10,918
−HK$589/mo
▼ 0.25% · 3.875%
HK$11,210
−HK$297/mo
Today · 4.125%
HK$11,507
baseline
▲ 0.50% · 4.625%
HK$12,114
+HK$607/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$23,014/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$11,449
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,805
−HK$362/mo
Today · 4.125%
HK$12,167
baseline
▲ 0.50% · 4.625%
HK$12,908
+HK$741/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$24,334/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$12,737
−HK$688/mo
▼ 0.25% · 3.875%
HK$13,079
−HK$346/mo
Today · 4.125%
HK$13,425
baseline
▲ 0.50% · 4.625%
HK$14,133
+HK$708/mo
Deposit HK$1.08M · loan HK$2.51M · min. income ≈ HK$26,850/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$14,721
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,178
−HK$466/mo
Today · 4.125%
HK$15,644
baseline
▲ 0.50% · 4.625%
HK$16,595
+HK$951/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$31,288/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$16,376
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,816
−HK$445/mo
Today · 4.125%
HK$17,261
baseline
▲ 0.50% · 4.625%
HK$18,171
+HK$910/mo
Deposit HK$359K · loan HK$3.23M · min. income ≈ HK$34,522/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).