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$8,129
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,381
−HK$257/mo
Today · 4.125%
HK$8,638
baseline
▲ 0.50% · 4.625%
HK$9,164
+HK$526/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,276/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$9,043
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,286
−HK$246/mo
Today · 4.125%
HK$9,532
baseline
▲ 0.50% · 4.625%
HK$10,034
+HK$502/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,064/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$9,754
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,058
−HK$308/mo
Today · 4.125%
HK$10,366
baseline
▲ 0.50% · 4.625%
HK$10,997
+HK$631/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,732/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$10,852
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,143
−HK$295/mo
Today · 4.125%
HK$11,438
baseline
▲ 0.50% · 4.625%
HK$12,041
+HK$603/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,876/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$11,380
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,734
−HK$360/mo
Today · 4.125%
HK$12,094
baseline
▲ 0.50% · 4.625%
HK$12,830
+HK$736/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,188/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$12,660
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,000
−HK$344/mo
Today · 4.125%
HK$13,344
baseline
▲ 0.50% · 4.625%
HK$14,048
+HK$704/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,688/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$14,632
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,087
−HK$462/mo
Today · 4.125%
HK$15,549
baseline
▲ 0.50% · 4.625%
HK$16,495
+HK$946/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$31,098/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$16,277
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,714
−HK$443/mo
Today · 4.125%
HK$17,157
baseline
▲ 0.50% · 4.625%
HK$18,061
+HK$904/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$34,314/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).