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$8,108
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,360
−HK$256/mo
Today · 4.125%
HK$8,616
baseline
▲ 0.50% · 4.625%
HK$9,140
+HK$524/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,232/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$9,020
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,262
−HK$245/mo
Today · 4.125%
HK$9,507
baseline
▲ 0.50% · 4.625%
HK$10,008
+HK$501/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,014/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$9,729
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,032
−HK$307/mo
Today · 4.125%
HK$10,339
baseline
▲ 0.50% · 4.625%
HK$10,969
+HK$630/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,678/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$10,824
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,114
−HK$295/mo
Today · 4.125%
HK$11,409
baseline
▲ 0.50% · 4.625%
HK$12,010
+HK$601/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,818/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$11,351
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,704
−HK$359/mo
Today · 4.125%
HK$12,063
baseline
▲ 0.50% · 4.625%
HK$12,797
+HK$734/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,126/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$12,628
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,966
−HK$344/mo
Today · 4.125%
HK$13,310
baseline
▲ 0.50% · 4.625%
HK$14,012
+HK$702/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,620/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$14,594
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,048
−HK$461/mo
Today · 4.125%
HK$15,509
baseline
▲ 0.50% · 4.625%
HK$16,453
+HK$944/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$31,018/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$16,236
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,671
−HK$442/mo
Today · 4.125%
HK$17,113
baseline
▲ 0.50% · 4.625%
HK$18,015
+HK$902/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$34,226/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).