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$8,116
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,368
−HK$257/mo
Today · 4.125%
HK$8,625
baseline
▲ 0.50% · 4.625%
HK$9,149
+HK$524/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,250/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$9,029
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,271
−HK$245/mo
Today · 4.125%
HK$9,516
baseline
▲ 0.50% · 4.625%
HK$10,018
+HK$502/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,032/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$9,739
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,042
−HK$308/mo
Today · 4.125%
HK$10,350
baseline
▲ 0.50% · 4.625%
HK$10,979
+HK$629/mo
Deposit HK$1.42M · loan HK$2.14M · min. income ≈ HK$20,700/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$10,834
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,125
−HK$295/mo
Today · 4.125%
HK$11,420
baseline
▲ 0.50% · 4.625%
HK$12,022
+HK$602/mo
Deposit HK$1.42M · loan HK$2.14M · min. income ≈ HK$22,840/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$11,362
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,715
−HK$360/mo
Today · 4.125%
HK$12,075
baseline
▲ 0.50% · 4.625%
HK$12,809
+HK$734/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,150/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$12,640
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,979
−HK$344/mo
Today · 4.125%
HK$13,323
baseline
▲ 0.50% · 4.625%
HK$14,025
+HK$702/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,646/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$14,608
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,063
−HK$461/mo
Today · 4.125%
HK$15,524
baseline
▲ 0.50% · 4.625%
HK$16,469
+HK$945/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$31,048/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$16,252
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,688
−HK$442/mo
Today · 4.125%
HK$17,130
baseline
▲ 0.50% · 4.625%
HK$18,033
+HK$903/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$34,260/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).