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$9,167
+HK$526/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$9,046
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,288
−HK$246/mo
Today · 4.125%
HK$9,534
baseline
▲ 0.50% · 4.625%
HK$10,037
+HK$503/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$10,061
−HK$308/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$10,855
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,146
−HK$295/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$12,664
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,004
−HK$344/mo
Today · 4.125%
HK$13,348
baseline
▲ 0.50% · 4.625%
HK$14,052
+HK$704/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$14,636
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,091
−HK$463/mo
Today · 4.125%
HK$15,554
baseline
▲ 0.50% · 4.625%
HK$16,500
+HK$946/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$31,108/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$16,282
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,719
−HK$443/mo
Today · 4.125%
HK$17,162
baseline
▲ 0.50% · 4.625%
HK$18,066
+HK$904/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$34,324/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).