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$8,098
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,350
−HK$255/mo
Today · 4.125%
HK$8,605
baseline
▲ 0.50% · 4.625%
HK$9,129
+HK$524/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,210/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$9,009
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,250
−HK$245/mo
Today · 4.125%
HK$9,495
baseline
▲ 0.50% · 4.625%
HK$9,996
+HK$501/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$18,990/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$9,717
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,019
−HK$308/mo
Today · 4.125%
HK$10,327
baseline
▲ 0.50% · 4.625%
HK$10,955
+HK$628/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,654/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$10,810
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,100
−HK$294/mo
Today · 4.125%
HK$11,394
baseline
▲ 0.50% · 4.625%
HK$11,995
+HK$601/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,788/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$11,337
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,689
−HK$359/mo
Today · 4.125%
HK$12,048
baseline
▲ 0.50% · 4.625%
HK$12,781
+HK$733/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,096/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$12,612
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,950
−HK$343/mo
Today · 4.125%
HK$13,293
baseline
▲ 0.50% · 4.625%
HK$13,994
+HK$701/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,586/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$14,576
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,029
−HK$461/mo
Today · 4.125%
HK$15,490
baseline
▲ 0.50% · 4.625%
HK$16,432
+HK$942/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$30,980/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,215
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,650
−HK$442/mo
Today · 4.125%
HK$17,092
baseline
▲ 0.50% · 4.625%
HK$17,992
+HK$900/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$34,184/mo (50% DSR)
Upfront cash ≈ HK$355K (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).