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$8,154
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,408
−HK$257/mo
Today · 4.125%
HK$8,665
baseline
▲ 0.50% · 4.625%
HK$9,193
+HK$528/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$17,330/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$9,071
−HK$490/mo
▼ 0.25% · 3.875%
HK$9,315
−HK$246/mo
Today · 4.125%
HK$9,561
baseline
▲ 0.50% · 4.625%
HK$10,065
+HK$504/mo
Deposit HK$1.79M · loan HK$1.79M · min. income ≈ HK$19,122/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$9,785
−HK$614/mo
▼ 0.25% · 3.875%
HK$10,089
−HK$310/mo
Today · 4.125%
HK$10,399
baseline
▲ 0.50% · 4.625%
HK$11,031
+HK$632/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$20,798/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$10,886
−HK$588/mo
▼ 0.25% · 3.875%
HK$11,178
−HK$296/mo
Today · 4.125%
HK$11,474
baseline
▲ 0.50% · 4.625%
HK$12,079
+HK$605/mo
Deposit HK$1.43M · loan HK$2.15M · min. income ≈ HK$22,948/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$11,416
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,771
−HK$361/mo
Today · 4.125%
HK$12,132
baseline
▲ 0.50% · 4.625%
HK$12,870
+HK$738/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,264/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$12,700
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,041
−HK$345/mo
Today · 4.125%
HK$13,386
baseline
▲ 0.50% · 4.625%
HK$14,092
+HK$706/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,772/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$14,677
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,134
−HK$464/mo
Today · 4.125%
HK$15,598
baseline
▲ 0.50% · 4.625%
HK$16,547
+HK$949/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$31,196/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$16,328
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,766
−HK$445/mo
Today · 4.125%
HK$17,211
baseline
▲ 0.50% · 4.625%
HK$18,118
+HK$907/mo
Deposit HK$358K · loan HK$3.22M · min. income ≈ HK$34,422/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).