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$8,169
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,423
−HK$258/mo
Today · 4.125%
HK$8,681
baseline
▲ 0.50% · 4.625%
HK$9,209
+HK$528/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,362/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$9,088
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,332
−HK$247/mo
Today · 4.125%
HK$9,579
baseline
▲ 0.50% · 4.625%
HK$10,084
+HK$505/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,158/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$9,803
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,108
−HK$309/mo
Today · 4.125%
HK$10,417
baseline
▲ 0.50% · 4.625%
HK$11,051
+HK$634/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,834/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$10,905
−HK$590/mo
▼ 0.25% · 3.875%
HK$11,198
−HK$297/mo
Today · 4.125%
HK$11,495
baseline
▲ 0.50% · 4.625%
HK$12,100
+HK$605/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,990/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$11,436
−HK$718/mo
▼ 0.25% · 3.875%
HK$11,792
−HK$362/mo
Today · 4.125%
HK$12,154
baseline
▲ 0.50% · 4.625%
HK$12,893
+HK$739/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$24,308/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$12,723
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,064
−HK$346/mo
Today · 4.125%
HK$13,410
baseline
▲ 0.50% · 4.625%
HK$14,117
+HK$707/mo
Deposit HK$1.07M · loan HK$2.51M · min. income ≈ HK$26,820/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$14,704
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,161
−HK$465/mo
Today · 4.125%
HK$15,626
baseline
▲ 0.50% · 4.625%
HK$16,577
+HK$951/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$31,252/mo (50% DSR)
Upfront cash ≈ HK$358K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,358
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,797
−HK$445/mo
Today · 4.125%
HK$17,242
baseline
▲ 0.50% · 4.625%
HK$18,151
+HK$909/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$34,484/mo (50% DSR)
Upfront cash ≈ HK$358K (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).