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$8,115
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,367
−HK$256/mo
Today · 4.125%
HK$8,623
baseline
▲ 0.50% · 4.625%
HK$9,148
+HK$525/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,246/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$9,027
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,270
−HK$245/mo
Today · 4.125%
HK$9,515
baseline
▲ 0.50% · 4.625%
HK$10,017
+HK$502/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,030/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$9,738
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,040
−HK$308/mo
Today · 4.125%
HK$10,348
baseline
▲ 0.50% · 4.625%
HK$10,978
+HK$630/mo
Deposit HK$1.42M · loan HK$2.14M · min. income ≈ HK$20,696/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$10,833
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,123
−HK$295/mo
Today · 4.125%
HK$11,418
baseline
▲ 0.50% · 4.625%
HK$12,020
+HK$602/mo
Deposit HK$1.42M · loan HK$2.14M · min. income ≈ HK$22,836/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$11,360
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,714
−HK$359/mo
Today · 4.125%
HK$12,073
baseline
▲ 0.50% · 4.625%
HK$12,807
+HK$734/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,146/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$12,638
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,977
−HK$344/mo
Today · 4.125%
HK$13,321
baseline
▲ 0.50% · 4.625%
HK$14,023
+HK$702/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,642/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$14,606
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,061
−HK$461/mo
Today · 4.125%
HK$15,522
baseline
▲ 0.50% · 4.625%
HK$16,467
+HK$945/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$31,044/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$16,249
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,685
−HK$442/mo
Today · 4.125%
HK$17,127
baseline
▲ 0.50% · 4.625%
HK$18,030
+HK$903/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$34,254/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).