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$8,135
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,388
−HK$257/mo
Today · 4.125%
HK$8,645
baseline
▲ 0.50% · 4.625%
HK$9,171
+HK$526/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,290/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$9,050
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,293
−HK$246/mo
Today · 4.125%
HK$9,539
baseline
▲ 0.50% · 4.625%
HK$10,042
+HK$503/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,078/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$9,762
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,066
−HK$308/mo
Today · 4.125%
HK$10,374
baseline
▲ 0.50% · 4.625%
HK$11,005
+HK$631/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,748/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$10,860
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,151
−HK$296/mo
Today · 4.125%
HK$11,447
baseline
▲ 0.50% · 4.625%
HK$12,050
+HK$603/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,894/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$11,389
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,743
−HK$360/mo
Today · 4.125%
HK$12,103
baseline
▲ 0.50% · 4.625%
HK$12,840
+HK$737/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,206/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$12,670
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,010
−HK$345/mo
Today · 4.125%
HK$13,355
baseline
▲ 0.50% · 4.625%
HK$14,059
+HK$704/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,710/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$14,643
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,099
−HK$462/mo
Today · 4.125%
HK$15,561
baseline
▲ 0.50% · 4.625%
HK$16,508
+HK$947/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$31,122/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$16,290
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,727
−HK$443/mo
Today · 4.125%
HK$17,170
baseline
▲ 0.50% · 4.625%
HK$18,075
+HK$905/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$34,340/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).