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$8,114
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,366
−HK$256/mo
Today · 4.125%
HK$8,622
baseline
▲ 0.50% · 4.625%
HK$9,147
+HK$525/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,244/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$9,026
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,268
−HK$246/mo
Today · 4.125%
HK$9,514
baseline
▲ 0.50% · 4.625%
HK$10,016
+HK$502/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,028/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$9,736
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,039
−HK$308/mo
Today · 4.125%
HK$10,347
baseline
▲ 0.50% · 4.625%
HK$10,977
+HK$630/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,694/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$10,832
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,122
−HK$295/mo
Today · 4.125%
HK$11,417
baseline
▲ 0.50% · 4.625%
HK$12,019
+HK$602/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,834/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$11,359
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,712
−HK$359/mo
Today · 4.125%
HK$12,071
baseline
▲ 0.50% · 4.625%
HK$12,806
+HK$735/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,142/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$12,637
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,976
−HK$344/mo
Today · 4.125%
HK$13,320
baseline
▲ 0.50% · 4.625%
HK$14,022
+HK$702/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,640/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$14,605
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,059
−HK$461/mo
Today · 4.125%
HK$15,520
baseline
▲ 0.50% · 4.625%
HK$16,465
+HK$945/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$31,040/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$16,248
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,683
−HK$442/mo
Today · 4.125%
HK$17,125
baseline
▲ 0.50% · 4.625%
HK$18,028
+HK$903/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$34,250/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).