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$8,133
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,386
−HK$257/mo
Today · 4.125%
HK$8,643
baseline
▲ 0.50% · 4.625%
HK$9,169
+HK$526/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,286/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$9,048
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,291
−HK$246/mo
Today · 4.125%
HK$9,537
baseline
▲ 0.50% · 4.625%
HK$10,039
+HK$502/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,074/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$9,760
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,063
−HK$309/mo
Today · 4.125%
HK$10,372
baseline
▲ 0.50% · 4.625%
HK$11,003
+HK$631/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,744/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$10,858
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,149
−HK$295/mo
Today · 4.125%
HK$11,444
baseline
▲ 0.50% · 4.625%
HK$12,047
+HK$603/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,888/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$11,386
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,740
−HK$360/mo
Today · 4.125%
HK$12,100
baseline
▲ 0.50% · 4.625%
HK$12,837
+HK$737/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,200/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$12,667
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,007
−HK$345/mo
Today · 4.125%
HK$13,352
baseline
▲ 0.50% · 4.625%
HK$14,055
+HK$703/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,704/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$14,640
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,095
−HK$463/mo
Today · 4.125%
HK$15,558
baseline
▲ 0.50% · 4.625%
HK$16,504
+HK$946/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$31,116/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$16,286
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,723
−HK$443/mo
Today · 4.125%
HK$17,166
baseline
▲ 0.50% · 4.625%
HK$18,071
+HK$905/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$34,332/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).