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$8,100
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,352
−HK$256/mo
Today · 4.125%
HK$8,608
baseline
▲ 0.50% · 4.625%
HK$9,132
+HK$524/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,216/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$9,011
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,253
−HK$245/mo
Today · 4.125%
HK$9,498
baseline
▲ 0.50% · 4.625%
HK$9,999
+HK$501/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$18,996/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$9,720
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,022
−HK$307/mo
Today · 4.125%
HK$10,329
baseline
▲ 0.50% · 4.625%
HK$10,958
+HK$629/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,658/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$10,813
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,103
−HK$295/mo
Today · 4.125%
HK$11,398
baseline
▲ 0.50% · 4.625%
HK$11,998
+HK$600/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,796/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$11,340
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,693
−HK$358/mo
Today · 4.125%
HK$12,051
baseline
▲ 0.50% · 4.625%
HK$12,784
+HK$733/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,102/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$12,616
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,954
−HK$343/mo
Today · 4.125%
HK$13,297
baseline
▲ 0.50% · 4.625%
HK$13,998
+HK$701/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,594/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$14,580
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,033
−HK$461/mo
Today · 4.125%
HK$15,494
baseline
▲ 0.50% · 4.625%
HK$16,437
+HK$943/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$30,988/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$16,220
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,655
−HK$441/mo
Today · 4.125%
HK$17,096
baseline
▲ 0.50% · 4.625%
HK$17,997
+HK$901/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$34,192/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).