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$8,108
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,361
−HK$256/mo
Today · 4.125%
HK$8,617
baseline
▲ 0.50% · 4.625%
HK$9,141
+HK$524/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,234/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$9,021
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,262
−HK$246/mo
Today · 4.125%
HK$9,508
baseline
▲ 0.50% · 4.625%
HK$10,009
+HK$501/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,016/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$9,730
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,033
−HK$307/mo
Today · 4.125%
HK$10,340
baseline
▲ 0.50% · 4.625%
HK$10,969
+HK$629/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,680/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$10,825
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,115
−HK$294/mo
Today · 4.125%
HK$11,409
baseline
▲ 0.50% · 4.625%
HK$12,011
+HK$602/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,818/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$11,352
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,705
−HK$359/mo
Today · 4.125%
HK$12,064
baseline
▲ 0.50% · 4.625%
HK$12,798
+HK$734/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,128/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$12,629
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,967
−HK$344/mo
Today · 4.125%
HK$13,311
baseline
▲ 0.50% · 4.625%
HK$14,013
+HK$702/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,622/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$14,595
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,049
−HK$461/mo
Today · 4.125%
HK$15,510
baseline
▲ 0.50% · 4.625%
HK$16,454
+HK$944/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$31,020/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$16,237
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,672
−HK$442/mo
Today · 4.125%
HK$17,114
baseline
▲ 0.50% · 4.625%
HK$18,016
+HK$902/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$34,228/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).