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$8,102
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,354
−HK$256/mo
Today · 4.125%
HK$8,610
baseline
▲ 0.50% · 4.625%
HK$9,134
+HK$524/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,220/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$9,014
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,255
−HK$245/mo
Today · 4.125%
HK$9,500
baseline
▲ 0.50% · 4.625%
HK$10,001
+HK$501/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,000/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$9,723
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,025
−HK$307/mo
Today · 4.125%
HK$10,332
baseline
▲ 0.50% · 4.625%
HK$10,961
+HK$629/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,664/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$10,816
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,106
−HK$295/mo
Today · 4.125%
HK$11,401
baseline
▲ 0.50% · 4.625%
HK$12,002
+HK$601/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,802/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$11,343
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,696
−HK$358/mo
Today · 4.125%
HK$12,054
baseline
▲ 0.50% · 4.625%
HK$12,788
+HK$734/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,108/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$12,619
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,957
−HK$344/mo
Today · 4.125%
HK$13,301
baseline
▲ 0.50% · 4.625%
HK$14,002
+HK$701/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,602/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$14,584
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,037
−HK$461/mo
Today · 4.125%
HK$15,498
baseline
▲ 0.50% · 4.625%
HK$16,441
+HK$943/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$30,996/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$16,224
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,659
−HK$442/mo
Today · 4.125%
HK$17,101
baseline
▲ 0.50% · 4.625%
HK$18,002
+HK$901/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$34,202/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).