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$8,135
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,388
−HK$258/mo
Today · 4.125%
HK$8,646
baseline
▲ 0.50% · 4.625%
HK$9,172
+HK$526/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,292/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$9,051
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,293
−HK$247/mo
Today · 4.125%
HK$9,540
baseline
▲ 0.50% · 4.625%
HK$10,042
+HK$502/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,080/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$9,762
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,066
−HK$309/mo
Today · 4.125%
HK$10,375
baseline
▲ 0.50% · 4.625%
HK$11,006
+HK$631/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,750/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$10,861
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,152
−HK$295/mo
Today · 4.125%
HK$11,447
baseline
▲ 0.50% · 4.625%
HK$12,051
+HK$604/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,894/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$11,390
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,744
−HK$360/mo
Today · 4.125%
HK$12,104
baseline
▲ 0.50% · 4.625%
HK$12,840
+HK$736/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,208/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$12,671
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,011
−HK$344/mo
Today · 4.125%
HK$13,355
baseline
▲ 0.50% · 4.625%
HK$14,059
+HK$704/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,710/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$14,644
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,099
−HK$463/mo
Today · 4.125%
HK$15,562
baseline
▲ 0.50% · 4.625%
HK$16,509
+HK$947/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$31,124/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$16,291
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,728
−HK$443/mo
Today · 4.125%
HK$17,171
baseline
▲ 0.50% · 4.625%
HK$18,076
+HK$905/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$34,342/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).