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$8,105
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,358
−HK$256/mo
Today · 4.125%
HK$8,614
baseline
▲ 0.50% · 4.625%
HK$9,138
+HK$524/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,228/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$9,017
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,259
−HK$245/mo
Today · 4.125%
HK$9,504
baseline
▲ 0.50% · 4.625%
HK$10,005
+HK$501/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,008/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$9,726
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,029
−HK$307/mo
Today · 4.125%
HK$10,336
baseline
▲ 0.50% · 4.625%
HK$10,965
+HK$629/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,672/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$10,821
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,111
−HK$294/mo
Today · 4.125%
HK$11,405
baseline
▲ 0.50% · 4.625%
HK$12,006
+HK$601/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,810/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$11,348
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,701
−HK$358/mo
Today · 4.125%
HK$12,059
baseline
▲ 0.50% · 4.625%
HK$12,793
+HK$734/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,118/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$12,624
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,963
−HK$343/mo
Today · 4.125%
HK$13,306
baseline
▲ 0.50% · 4.625%
HK$14,007
+HK$701/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,612/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$14,590
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,044
−HK$461/mo
Today · 4.125%
HK$15,505
baseline
▲ 0.50% · 4.625%
HK$16,448
+HK$943/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$31,010/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$16,231
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,666
−HK$442/mo
Today · 4.125%
HK$17,108
baseline
▲ 0.50% · 4.625%
HK$18,010
+HK$902/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$34,216/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).