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$8,132
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,385
−HK$257/mo
Today · 4.125%
HK$8,642
baseline
▲ 0.50% · 4.625%
HK$9,168
+HK$526/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,284/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$9,047
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,289
−HK$247/mo
Today · 4.125%
HK$9,536
baseline
▲ 0.50% · 4.625%
HK$10,038
+HK$502/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,072/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$9,758
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,062
−HK$308/mo
Today · 4.125%
HK$10,370
baseline
▲ 0.50% · 4.625%
HK$11,001
+HK$631/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,740/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$10,856
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,147
−HK$296/mo
Today · 4.125%
HK$11,443
baseline
▲ 0.50% · 4.625%
HK$12,046
+HK$603/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,886/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$11,385
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,739
−HK$360/mo
Today · 4.125%
HK$12,099
baseline
▲ 0.50% · 4.625%
HK$12,835
+HK$736/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,198/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$12,665
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,005
−HK$345/mo
Today · 4.125%
HK$13,350
baseline
▲ 0.50% · 4.625%
HK$14,053
+HK$703/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,700/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$14,638
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,093
−HK$463/mo
Today · 4.125%
HK$15,556
baseline
▲ 0.50% · 4.625%
HK$16,502
+HK$946/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$31,112/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$16,284
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,721
−HK$443/mo
Today · 4.125%
HK$17,164
baseline
▲ 0.50% · 4.625%
HK$18,069
+HK$905/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$34,328/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).