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$8,134
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,387
−HK$257/mo
Today · 4.125%
HK$8,644
baseline
▲ 0.50% · 4.625%
HK$9,170
+HK$526/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,288/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,049
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,291
−HK$246/mo
Today · 4.125%
HK$9,537
baseline
▲ 0.50% · 4.625%
HK$10,040
+HK$503/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,074/mo (50% DSR)
Upfront cash ≈ HK$1.78M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,760
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,064
−HK$308/mo
Today · 4.125%
HK$10,372
baseline
▲ 0.50% · 4.625%
HK$11,004
+HK$632/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,744/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$10,858
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,149
−HK$296/mo
Today · 4.125%
HK$11,445
baseline
▲ 0.50% · 4.625%
HK$12,048
+HK$603/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,890/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$11,387
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,741
−HK$360/mo
Today · 4.125%
HK$12,101
baseline
▲ 0.50% · 4.625%
HK$12,837
+HK$736/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,202/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$12,668
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,008
−HK$344/mo
Today · 4.125%
HK$13,352
baseline
▲ 0.50% · 4.625%
HK$14,056
+HK$704/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,704/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$14,641
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,096
−HK$463/mo
Today · 4.125%
HK$15,559
baseline
▲ 0.50% · 4.625%
HK$16,505
+HK$946/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$31,118/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,287
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,724
−HK$443/mo
Today · 4.125%
HK$17,167
baseline
▲ 0.50% · 4.625%
HK$18,072
+HK$905/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$34,334/mo (50% DSR)
Upfront cash ≈ HK$357K (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).