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$8,107
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,359
−HK$256/mo
Today · 4.125%
HK$8,615
baseline
▲ 0.50% · 4.625%
HK$9,139
+HK$524/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,230/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$9,018
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,260
−HK$246/mo
Today · 4.125%
HK$9,506
baseline
▲ 0.50% · 4.625%
HK$10,007
+HK$501/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,012/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$9,728
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,030
−HK$308/mo
Today · 4.125%
HK$10,338
baseline
▲ 0.50% · 4.625%
HK$10,967
+HK$629/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,676/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$10,822
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,112
−HK$295/mo
Today · 4.125%
HK$11,407
baseline
▲ 0.50% · 4.625%
HK$12,008
+HK$601/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,814/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$11,349
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,702
−HK$359/mo
Today · 4.125%
HK$12,061
baseline
▲ 0.50% · 4.625%
HK$12,795
+HK$734/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,122/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$12,626
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,964
−HK$344/mo
Today · 4.125%
HK$13,308
baseline
▲ 0.50% · 4.625%
HK$14,009
+HK$701/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,616/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$14,592
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,046
−HK$461/mo
Today · 4.125%
HK$15,507
baseline
▲ 0.50% · 4.625%
HK$16,450
+HK$943/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$31,014/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$16,233
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,669
−HK$441/mo
Today · 4.125%
HK$17,110
baseline
▲ 0.50% · 4.625%
HK$18,012
+HK$902/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$34,220/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).