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$8,101
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,353
−HK$256/mo
Today · 4.125%
HK$8,609
baseline
▲ 0.50% · 4.625%
HK$9,133
+HK$524/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,218/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$9,012
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,254
−HK$245/mo
Today · 4.125%
HK$9,499
baseline
▲ 0.50% · 4.625%
HK$10,000
+HK$501/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$18,998/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$9,721
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,023
−HK$308/mo
Today · 4.125%
HK$10,331
baseline
▲ 0.50% · 4.625%
HK$10,959
+HK$628/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,662/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$10,814
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,104
−HK$295/mo
Today · 4.125%
HK$11,399
baseline
▲ 0.50% · 4.625%
HK$12,000
+HK$601/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,798/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$11,341
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,694
−HK$358/mo
Today · 4.125%
HK$12,052
baseline
▲ 0.50% · 4.625%
HK$12,786
+HK$734/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,104/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$12,617
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,955
−HK$343/mo
Today · 4.125%
HK$13,298
baseline
▲ 0.50% · 4.625%
HK$13,999
+HK$701/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,596/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$14,581
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,035
−HK$461/mo
Today · 4.125%
HK$15,496
baseline
▲ 0.50% · 4.625%
HK$16,439
+HK$943/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$30,992/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$16,222
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,657
−HK$441/mo
Today · 4.125%
HK$17,098
baseline
▲ 0.50% · 4.625%
HK$17,999
+HK$901/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$34,196/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).