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$8,139
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,392
−HK$258/mo
Today · 4.125%
HK$8,650
baseline
▲ 0.50% · 4.625%
HK$9,176
+HK$526/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,300/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$9,055
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,298
−HK$246/mo
Today · 4.125%
HK$9,544
baseline
▲ 0.50% · 4.625%
HK$10,047
+HK$503/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,088/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$9,767
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,071
−HK$309/mo
Today · 4.125%
HK$10,380
baseline
▲ 0.50% · 4.625%
HK$11,011
+HK$631/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,760/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$10,866
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,157
−HK$296/mo
Today · 4.125%
HK$11,453
baseline
▲ 0.50% · 4.625%
HK$12,057
+HK$604/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,906/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$11,395
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,749
−HK$361/mo
Today · 4.125%
HK$12,110
baseline
▲ 0.50% · 4.625%
HK$12,846
+HK$736/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,220/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$12,677
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,017
−HK$345/mo
Today · 4.125%
HK$13,362
baseline
▲ 0.50% · 4.625%
HK$14,066
+HK$704/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,724/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$14,651
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,106
−HK$463/mo
Today · 4.125%
HK$15,569
baseline
▲ 0.50% · 4.625%
HK$16,517
+HK$948/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$31,138/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$16,299
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,736
−HK$443/mo
Today · 4.125%
HK$17,179
baseline
▲ 0.50% · 4.625%
HK$18,085
+HK$906/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$34,358/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).