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$8,103
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,355
−HK$256/mo
Today · 4.125%
HK$8,611
baseline
▲ 0.50% · 4.625%
HK$9,135
+HK$524/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,222/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$9,014
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,256
−HK$245/mo
Today · 4.125%
HK$9,501
baseline
▲ 0.50% · 4.625%
HK$10,002
+HK$501/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,002/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$9,724
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,026
−HK$307/mo
Today · 4.125%
HK$10,333
baseline
▲ 0.50% · 4.625%
HK$10,962
+HK$629/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,666/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$10,817
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,107
−HK$295/mo
Today · 4.125%
HK$11,402
baseline
▲ 0.50% · 4.625%
HK$12,003
+HK$601/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,804/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$11,344
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,697
−HK$358/mo
Today · 4.125%
HK$12,055
baseline
▲ 0.50% · 4.625%
HK$12,789
+HK$734/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,110/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$12,620
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,959
−HK$343/mo
Today · 4.125%
HK$13,302
baseline
▲ 0.50% · 4.625%
HK$14,003
+HK$701/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,604/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$14,585
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,039
−HK$461/mo
Today · 4.125%
HK$15,500
baseline
▲ 0.50% · 4.625%
HK$16,443
+HK$943/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$31,000/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$16,226
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,661
−HK$442/mo
Today · 4.125%
HK$17,103
baseline
▲ 0.50% · 4.625%
HK$18,004
+HK$901/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$34,206/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).