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$8,137
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,391
−HK$257/mo
Today · 4.125%
HK$8,648
baseline
▲ 0.50% · 4.625%
HK$9,174
+HK$526/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,296/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$9,053
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,296
−HK$246/mo
Today · 4.125%
HK$9,542
baseline
▲ 0.50% · 4.625%
HK$10,045
+HK$503/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,084/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$9,765
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,069
−HK$308/mo
Today · 4.125%
HK$10,377
baseline
▲ 0.50% · 4.625%
HK$11,009
+HK$632/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,754/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$10,863
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,155
−HK$295/mo
Today · 4.125%
HK$11,450
baseline
▲ 0.50% · 4.625%
HK$12,054
+HK$604/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,900/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$11,392
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,747
−HK$360/mo
Today · 4.125%
HK$12,107
baseline
▲ 0.50% · 4.625%
HK$12,843
+HK$736/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,214/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$12,674
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,014
−HK$345/mo
Today · 4.125%
HK$13,359
baseline
▲ 0.50% · 4.625%
HK$14,063
+HK$704/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,718/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$14,647
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,103
−HK$463/mo
Today · 4.125%
HK$15,566
baseline
▲ 0.50% · 4.625%
HK$16,513
+HK$947/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$31,132/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$16,295
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,732
−HK$443/mo
Today · 4.125%
HK$17,175
baseline
▲ 0.50% · 4.625%
HK$18,081
+HK$906/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$34,350/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).