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$8,137
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,390
−HK$257/mo
Today · 4.125%
HK$8,647
baseline
▲ 0.50% · 4.625%
HK$9,173
+HK$526/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,294/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$9,052
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,295
−HK$246/mo
Today · 4.125%
HK$9,541
baseline
▲ 0.50% · 4.625%
HK$10,044
+HK$503/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,082/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$9,764
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,068
−HK$308/mo
Today · 4.125%
HK$10,376
baseline
▲ 0.50% · 4.625%
HK$11,008
+HK$632/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,752/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$10,862
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,154
−HK$295/mo
Today · 4.125%
HK$11,449
baseline
▲ 0.50% · 4.625%
HK$12,053
+HK$604/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,898/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$11,391
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,746
−HK$360/mo
Today · 4.125%
HK$12,106
baseline
▲ 0.50% · 4.625%
HK$12,842
+HK$736/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,212/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$12,673
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,012
−HK$345/mo
Today · 4.125%
HK$13,357
baseline
▲ 0.50% · 4.625%
HK$14,061
+HK$704/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,714/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$14,646
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,101
−HK$463/mo
Today · 4.125%
HK$15,564
baseline
▲ 0.50% · 4.625%
HK$16,511
+HK$947/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$31,128/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$16,293
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,730
−HK$444/mo
Today · 4.125%
HK$17,174
baseline
▲ 0.50% · 4.625%
HK$18,079
+HK$905/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$34,348/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).