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$8,118
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,370
−HK$257/mo
Today · 4.125%
HK$8,627
baseline
▲ 0.50% · 4.625%
HK$9,152
+HK$525/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,254/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$9,031
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,273
−HK$246/mo
Today · 4.125%
HK$9,519
baseline
▲ 0.50% · 4.625%
HK$10,021
+HK$502/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,038/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$9,742
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,045
−HK$307/mo
Today · 4.125%
HK$10,352
baseline
▲ 0.50% · 4.625%
HK$10,982
+HK$630/mo
Deposit HK$1.42M · loan HK$2.14M · min. income ≈ HK$20,704/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$10,837
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,128
−HK$295/mo
Today · 4.125%
HK$11,423
baseline
▲ 0.50% · 4.625%
HK$12,025
+HK$602/mo
Deposit HK$1.42M · loan HK$2.14M · min. income ≈ HK$22,846/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$11,365
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,719
−HK$359/mo
Today · 4.125%
HK$12,078
baseline
▲ 0.50% · 4.625%
HK$12,813
+HK$735/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,156/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$12,644
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,983
−HK$344/mo
Today · 4.125%
HK$13,327
baseline
▲ 0.50% · 4.625%
HK$14,029
+HK$702/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,654/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$14,612
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,067
−HK$462/mo
Today · 4.125%
HK$15,529
baseline
▲ 0.50% · 4.625%
HK$16,473
+HK$944/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$31,058/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$16,256
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,692
−HK$442/mo
Today · 4.125%
HK$17,134
baseline
▲ 0.50% · 4.625%
HK$18,037
+HK$903/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$34,268/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).