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$8,112
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,364
−HK$257/mo
Today · 4.125%
HK$8,621
baseline
▲ 0.50% · 4.625%
HK$9,145
+HK$524/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,242/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$9,024
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,266
−HK$246/mo
Today · 4.125%
HK$9,512
baseline
▲ 0.50% · 4.625%
HK$10,013
+HK$501/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,024/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$9,734
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,037
−HK$308/mo
Today · 4.125%
HK$10,345
baseline
▲ 0.50% · 4.625%
HK$10,974
+HK$629/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,690/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$10,829
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,120
−HK$294/mo
Today · 4.125%
HK$11,414
baseline
▲ 0.50% · 4.625%
HK$12,016
+HK$602/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,828/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$11,357
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,710
−HK$359/mo
Today · 4.125%
HK$12,069
baseline
▲ 0.50% · 4.625%
HK$12,803
+HK$734/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,138/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$12,634
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,973
−HK$344/mo
Today · 4.125%
HK$13,317
baseline
▲ 0.50% · 4.625%
HK$14,019
+HK$702/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,634/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$14,601
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,056
−HK$461/mo
Today · 4.125%
HK$15,517
baseline
▲ 0.50% · 4.625%
HK$16,461
+HK$944/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$31,034/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$16,244
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,679
−HK$442/mo
Today · 4.125%
HK$17,121
baseline
▲ 0.50% · 4.625%
HK$18,024
+HK$903/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$34,242/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).