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$8,102
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,354
−HK$256/mo
Today · 4.125%
HK$8,610
baseline
▲ 0.50% · 4.625%
HK$9,133
+HK$523/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,220/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$9,013
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,255
−HK$245/mo
Today · 4.125%
HK$9,500
baseline
▲ 0.50% · 4.625%
HK$10,001
+HK$501/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,000/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$9,722
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,024
−HK$307/mo
Today · 4.125%
HK$10,331
baseline
▲ 0.50% · 4.625%
HK$10,960
+HK$629/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,662/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$10,815
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,105
−HK$295/mo
Today · 4.125%
HK$11,400
baseline
▲ 0.50% · 4.625%
HK$12,001
+HK$601/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,800/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$11,342
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,695
−HK$358/mo
Today · 4.125%
HK$12,053
baseline
▲ 0.50% · 4.625%
HK$12,787
+HK$734/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,106/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$12,618
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,956
−HK$344/mo
Today · 4.125%
HK$13,300
baseline
▲ 0.50% · 4.625%
HK$14,001
+HK$701/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,600/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$14,583
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,036
−HK$461/mo
Today · 4.125%
HK$15,497
baseline
▲ 0.50% · 4.625%
HK$16,440
+HK$943/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$30,994/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,223
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,658
−HK$442/mo
Today · 4.125%
HK$17,100
baseline
▲ 0.50% · 4.625%
HK$18,001
+HK$901/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$34,200/mo (50% DSR)
Upfront cash ≈ HK$355K (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).