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$8,111
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,363
−HK$256/mo
Today · 4.125%
HK$8,619
baseline
▲ 0.50% · 4.625%
HK$9,144
+HK$525/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,238/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$9,023
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,265
−HK$246/mo
Today · 4.125%
HK$9,511
baseline
▲ 0.50% · 4.625%
HK$10,012
+HK$501/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,022/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$9,733
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,036
−HK$307/mo
Today · 4.125%
HK$10,343
baseline
▲ 0.50% · 4.625%
HK$10,973
+HK$630/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,686/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$10,828
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,118
−HK$295/mo
Today · 4.125%
HK$11,413
baseline
▲ 0.50% · 4.625%
HK$12,014
+HK$601/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,826/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$11,355
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,708
−HK$359/mo
Today · 4.125%
HK$12,067
baseline
▲ 0.50% · 4.625%
HK$12,801
+HK$734/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,134/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$12,632
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,971
−HK$344/mo
Today · 4.125%
HK$13,315
baseline
▲ 0.50% · 4.625%
HK$14,017
+HK$702/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,630/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$14,599
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,053
−HK$462/mo
Today · 4.125%
HK$15,515
baseline
▲ 0.50% · 4.625%
HK$16,459
+HK$944/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$31,030/mo (50% DSR)
Upfront cash ≈ HK$356K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,242
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,677
−HK$442/mo
Today · 4.125%
HK$17,119
baseline
▲ 0.50% · 4.625%
HK$18,021
+HK$902/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$34,238/mo (50% DSR)
Upfront cash ≈ HK$356K (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).