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$8,097
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,348
−HK$256/mo
Today · 4.125%
HK$8,604
baseline
▲ 0.50% · 4.625%
HK$9,128
+HK$524/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,208/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$9,007
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,249
−HK$245/mo
Today · 4.125%
HK$9,494
baseline
▲ 0.50% · 4.625%
HK$9,994
+HK$500/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$18,988/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$9,716
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,018
−HK$307/mo
Today · 4.125%
HK$10,325
baseline
▲ 0.50% · 4.625%
HK$10,953
+HK$628/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,650/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$10,809
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,099
−HK$294/mo
Today · 4.125%
HK$11,393
baseline
▲ 0.50% · 4.625%
HK$11,993
+HK$600/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,786/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$11,335
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,688
−HK$358/mo
Today · 4.125%
HK$12,046
baseline
▲ 0.50% · 4.625%
HK$12,779
+HK$733/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,092/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$12,610
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,949
−HK$343/mo
Today · 4.125%
HK$13,292
baseline
▲ 0.50% · 4.625%
HK$13,992
+HK$700/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,584/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$14,574
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,027
−HK$461/mo
Today · 4.125%
HK$15,488
baseline
▲ 0.50% · 4.625%
HK$16,430
+HK$942/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$30,976/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,213
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,648
−HK$441/mo
Today · 4.125%
HK$17,089
baseline
▲ 0.50% · 4.625%
HK$17,990
+HK$901/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$34,178/mo (50% DSR)
Upfront cash ≈ HK$355K (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).