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$8,124
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,376
−HK$257/mo
Today · 4.125%
HK$8,633
baseline
▲ 0.50% · 4.625%
HK$9,158
+HK$525/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,266/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$9,038
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,280
−HK$246/mo
Today · 4.125%
HK$9,526
baseline
▲ 0.50% · 4.625%
HK$10,028
+HK$502/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,052/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$9,748
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,052
−HK$308/mo
Today · 4.125%
HK$10,360
baseline
▲ 0.50% · 4.625%
HK$10,990
+HK$630/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,720/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$10,845
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,136
−HK$295/mo
Today · 4.125%
HK$11,431
baseline
▲ 0.50% · 4.625%
HK$12,034
+HK$603/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,862/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$11,373
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,727
−HK$359/mo
Today · 4.125%
HK$12,086
baseline
▲ 0.50% · 4.625%
HK$12,822
+HK$736/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,172/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$12,653
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,992
−HK$344/mo
Today · 4.125%
HK$13,336
baseline
▲ 0.50% · 4.625%
HK$14,039
+HK$703/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,672/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$14,623
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,078
−HK$462/mo
Today · 4.125%
HK$15,540
baseline
▲ 0.50% · 4.625%
HK$16,485
+HK$945/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$31,080/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$16,268
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,704
−HK$442/mo
Today · 4.125%
HK$17,146
baseline
▲ 0.50% · 4.625%
HK$18,050
+HK$904/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$34,292/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).