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$8,131
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,384
−HK$257/mo
Today · 4.125%
HK$8,641
baseline
▲ 0.50% · 4.625%
HK$9,166
+HK$525/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,282/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$9,045
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,288
−HK$246/mo
Today · 4.125%
HK$9,534
baseline
▲ 0.50% · 4.625%
HK$10,036
+HK$502/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,068/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$9,757
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,060
−HK$309/mo
Today · 4.125%
HK$10,369
baseline
▲ 0.50% · 4.625%
HK$11,000
+HK$631/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,738/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$10,854
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,145
−HK$296/mo
Today · 4.125%
HK$11,441
baseline
▲ 0.50% · 4.625%
HK$12,044
+HK$603/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,882/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$11,383
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,737
−HK$360/mo
Today · 4.125%
HK$12,097
baseline
▲ 0.50% · 4.625%
HK$12,833
+HK$736/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,194/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$12,663
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,003
−HK$345/mo
Today · 4.125%
HK$13,348
baseline
▲ 0.50% · 4.625%
HK$14,051
+HK$703/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,696/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$14,635
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,090
−HK$463/mo
Today · 4.125%
HK$15,553
baseline
▲ 0.50% · 4.625%
HK$16,499
+HK$946/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$31,106/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$16,281
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,718
−HK$443/mo
Today · 4.125%
HK$17,161
baseline
▲ 0.50% · 4.625%
HK$18,066
+HK$905/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$34,322/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).