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$8,155
−HK$512/mo
▼ 0.25% · 3.875%
HK$8,409
−HK$258/mo
Today · 4.125%
HK$8,667
baseline
▲ 0.50% · 4.625%
HK$9,194
+HK$527/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,334/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$9,072
−HK$491/mo
▼ 0.25% · 3.875%
HK$9,316
−HK$247/mo
Today · 4.125%
HK$9,563
baseline
▲ 0.50% · 4.625%
HK$10,067
+HK$504/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,126/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$9,786
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,091
−HK$309/mo
Today · 4.125%
HK$10,400
baseline
▲ 0.50% · 4.625%
HK$11,033
+HK$633/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,800/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$10,887
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,179
−HK$296/mo
Today · 4.125%
HK$11,475
baseline
▲ 0.50% · 4.625%
HK$12,080
+HK$605/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,950/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$11,417
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,772
−HK$361/mo
Today · 4.125%
HK$12,133
baseline
▲ 0.50% · 4.625%
HK$12,871
+HK$738/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,266/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$12,701
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,042
−HK$346/mo
Today · 4.125%
HK$13,388
baseline
▲ 0.50% · 4.625%
HK$14,093
+HK$705/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,776/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$14,679
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,136
−HK$464/mo
Today · 4.125%
HK$15,600
baseline
▲ 0.50% · 4.625%
HK$16,549
+HK$949/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$31,200/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$16,330
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,768
−HK$445/mo
Today · 4.125%
HK$17,213
baseline
▲ 0.50% · 4.625%
HK$18,120
+HK$907/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$34,426/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).