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$8,130
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,383
−HK$256/mo
Today · 4.125%
HK$8,639
baseline
▲ 0.50% · 4.625%
HK$9,165
+HK$526/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,278/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$9,044
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,287
−HK$246/mo
Today · 4.125%
HK$9,533
baseline
▲ 0.50% · 4.625%
HK$10,035
+HK$502/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,066/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$9,756
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,059
−HK$308/mo
Today · 4.125%
HK$10,367
baseline
▲ 0.50% · 4.625%
HK$10,998
+HK$631/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,734/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$10,853
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,144
−HK$295/mo
Today · 4.125%
HK$11,439
baseline
▲ 0.50% · 4.625%
HK$12,042
+HK$603/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,878/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$11,382
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,736
−HK$359/mo
Today · 4.125%
HK$12,095
baseline
▲ 0.50% · 4.625%
HK$12,831
+HK$736/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,190/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$12,662
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,001
−HK$345/mo
Today · 4.125%
HK$13,346
baseline
▲ 0.50% · 4.625%
HK$14,049
+HK$703/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,692/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$14,633
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,089
−HK$462/mo
Today · 4.125%
HK$15,551
baseline
▲ 0.50% · 4.625%
HK$16,497
+HK$946/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$31,102/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$16,280
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,716
−HK$443/mo
Today · 4.125%
HK$17,159
baseline
▲ 0.50% · 4.625%
HK$18,064
+HK$905/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$34,318/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).