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$8,106
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,358
−HK$256/mo
Today · 4.125%
HK$8,614
baseline
▲ 0.50% · 4.625%
HK$9,139
+HK$525/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,228/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$9,018
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,260
−HK$245/mo
Today · 4.125%
HK$9,505
baseline
▲ 0.50% · 4.625%
HK$10,006
+HK$501/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,010/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$9,727
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,030
−HK$307/mo
Today · 4.125%
HK$10,337
baseline
▲ 0.50% · 4.625%
HK$10,966
+HK$629/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,674/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$10,822
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,112
−HK$294/mo
Today · 4.125%
HK$11,406
baseline
▲ 0.50% · 4.625%
HK$12,008
+HK$602/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,812/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$11,349
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,702
−HK$358/mo
Today · 4.125%
HK$12,060
baseline
▲ 0.50% · 4.625%
HK$12,794
+HK$734/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,120/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$12,625
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,964
−HK$343/mo
Today · 4.125%
HK$13,307
baseline
▲ 0.50% · 4.625%
HK$14,009
+HK$702/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,614/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$14,591
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,045
−HK$461/mo
Today · 4.125%
HK$15,506
baseline
▲ 0.50% · 4.625%
HK$16,450
+HK$944/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$31,012/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$16,232
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,668
−HK$441/mo
Today · 4.125%
HK$17,109
baseline
▲ 0.50% · 4.625%
HK$18,011
+HK$902/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$34,218/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).