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$8,105
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,357
−HK$256/mo
Today · 4.125%
HK$8,613
baseline
▲ 0.50% · 4.625%
HK$9,137
+HK$524/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,226/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$9,016
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,258
−HK$246/mo
Today · 4.125%
HK$9,504
baseline
▲ 0.50% · 4.625%
HK$10,004
+HK$500/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,008/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$9,726
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,028
−HK$308/mo
Today · 4.125%
HK$10,336
baseline
▲ 0.50% · 4.625%
HK$10,964
+HK$628/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,672/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,820
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,110
−HK$294/mo
Today · 4.125%
HK$11,404
baseline
▲ 0.50% · 4.625%
HK$12,005
+HK$601/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,808/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,347
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,700
−HK$358/mo
Today · 4.125%
HK$12,058
baseline
▲ 0.50% · 4.625%
HK$12,792
+HK$734/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,116/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$12,623
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,962
−HK$343/mo
Today · 4.125%
HK$13,305
baseline
▲ 0.50% · 4.625%
HK$14,006
+HK$701/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,610/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$14,588
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,042
−HK$461/mo
Today · 4.125%
HK$15,503
baseline
▲ 0.50% · 4.625%
HK$16,447
+HK$944/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$31,006/mo (50% DSR)
Upfront cash ≈ HK$356K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,230
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,665
−HK$441/mo
Today · 4.125%
HK$17,106
baseline
▲ 0.50% · 4.625%
HK$18,008
+HK$902/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$34,212/mo (50% DSR)
Upfront cash ≈ HK$356K (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).