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$8,139
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,392
−HK$257/mo
Today · 4.125%
HK$8,649
baseline
▲ 0.50% · 4.625%
HK$9,175
+HK$526/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,298/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$9,054
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,297
−HK$246/mo
Today · 4.125%
HK$9,543
baseline
▲ 0.50% · 4.625%
HK$10,046
+HK$503/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,086/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$9,766
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,070
−HK$309/mo
Today · 4.125%
HK$10,379
baseline
▲ 0.50% · 4.625%
HK$11,010
+HK$631/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,758/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$10,865
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,156
−HK$296/mo
Today · 4.125%
HK$11,452
baseline
▲ 0.50% · 4.625%
HK$12,055
+HK$603/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,904/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$11,394
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,748
−HK$360/mo
Today · 4.125%
HK$12,108
baseline
▲ 0.50% · 4.625%
HK$12,845
+HK$737/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,216/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$12,676
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,016
−HK$344/mo
Today · 4.125%
HK$13,360
baseline
▲ 0.50% · 4.625%
HK$14,065
+HK$705/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,720/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$14,649
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,105
−HK$463/mo
Today · 4.125%
HK$15,568
baseline
▲ 0.50% · 4.625%
HK$16,515
+HK$947/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$31,136/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$16,297
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,734
−HK$444/mo
Today · 4.125%
HK$17,178
baseline
▲ 0.50% · 4.625%
HK$18,083
+HK$905/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$34,356/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).