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$8,118
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,370
−HK$257/mo
Today · 4.125%
HK$8,627
baseline
▲ 0.50% · 4.625%
HK$9,152
+HK$525/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,254/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$9,031
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,273
−HK$246/mo
Today · 4.125%
HK$9,519
baseline
▲ 0.50% · 4.625%
HK$10,020
+HK$501/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,038/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$9,741
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,044
−HK$308/mo
Today · 4.125%
HK$10,352
baseline
▲ 0.50% · 4.625%
HK$10,982
+HK$630/mo
Deposit HK$1.42M · loan HK$2.14M · min. income ≈ HK$20,704/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$10,837
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,127
−HK$295/mo
Today · 4.125%
HK$11,422
baseline
▲ 0.50% · 4.625%
HK$12,024
+HK$602/mo
Deposit HK$1.42M · loan HK$2.14M · min. income ≈ HK$22,844/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$11,365
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,718
−HK$359/mo
Today · 4.125%
HK$12,077
baseline
▲ 0.50% · 4.625%
HK$12,812
+HK$735/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,154/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$12,643
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,982
−HK$344/mo
Today · 4.125%
HK$13,326
baseline
▲ 0.50% · 4.625%
HK$14,028
+HK$702/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,652/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$14,612
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,066
−HK$462/mo
Today · 4.125%
HK$15,528
baseline
▲ 0.50% · 4.625%
HK$16,473
+HK$945/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$31,056/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$16,255
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,691
−HK$443/mo
Today · 4.125%
HK$17,134
baseline
▲ 0.50% · 4.625%
HK$18,037
+HK$903/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$34,268/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).