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$8,110
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,362
−HK$256/mo
Today · 4.125%
HK$8,618
baseline
▲ 0.50% · 4.625%
HK$9,143
+HK$525/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,236/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$9,022
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,264
−HK$246/mo
Today · 4.125%
HK$9,510
baseline
▲ 0.50% · 4.625%
HK$10,011
+HK$501/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,020/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$9,732
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,035
−HK$307/mo
Today · 4.125%
HK$10,342
baseline
▲ 0.50% · 4.625%
HK$10,971
+HK$629/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,684/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$10,827
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,117
−HK$295/mo
Today · 4.125%
HK$11,412
baseline
▲ 0.50% · 4.625%
HK$12,013
+HK$601/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,824/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$11,354
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,707
−HK$359/mo
Today · 4.125%
HK$12,066
baseline
▲ 0.50% · 4.625%
HK$12,800
+HK$734/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,132/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$12,631
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,970
−HK$343/mo
Today · 4.125%
HK$13,313
baseline
▲ 0.50% · 4.625%
HK$14,015
+HK$702/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,626/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$14,598
−HK$915/mo
▼ 0.25% · 3.875%
HK$15,052
−HK$461/mo
Today · 4.125%
HK$15,513
baseline
▲ 0.50% · 4.625%
HK$16,457
+HK$944/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$31,026/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$16,240
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,675
−HK$442/mo
Today · 4.125%
HK$17,117
baseline
▲ 0.50% · 4.625%
HK$18,020
+HK$903/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$34,234/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).