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$8,122
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,375
−HK$256/mo
Today · 4.125%
HK$8,631
baseline
▲ 0.50% · 4.625%
HK$9,157
+HK$526/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,262/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$9,036
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,278
−HK$246/mo
Today · 4.125%
HK$9,524
baseline
▲ 0.50% · 4.625%
HK$10,026
+HK$502/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,048/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$9,747
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,050
−HK$308/mo
Today · 4.125%
HK$10,358
baseline
▲ 0.50% · 4.625%
HK$10,988
+HK$630/mo
Deposit HK$1.42M · loan HK$2.14M · min. income ≈ HK$20,716/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$10,843
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,134
−HK$295/mo
Today · 4.125%
HK$11,429
baseline
▲ 0.50% · 4.625%
HK$12,031
+HK$602/mo
Deposit HK$1.42M · loan HK$2.14M · min. income ≈ HK$22,858/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$11,371
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,725
−HK$359/mo
Today · 4.125%
HK$12,084
baseline
▲ 0.50% · 4.625%
HK$12,819
+HK$735/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,168/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$12,650
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,989
−HK$345/mo
Today · 4.125%
HK$13,334
baseline
▲ 0.50% · 4.625%
HK$14,036
+HK$702/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,668/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$14,620
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,075
−HK$462/mo
Today · 4.125%
HK$15,537
baseline
▲ 0.50% · 4.625%
HK$16,482
+HK$945/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$31,074/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$16,264
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,701
−HK$442/mo
Today · 4.125%
HK$17,143
baseline
▲ 0.50% · 4.625%
HK$18,047
+HK$904/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$34,286/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).