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$8,134
−HK$511/mo
▼ 0.25% · 3.875%
HK$8,387
−HK$258/mo
Today · 4.125%
HK$8,645
baseline
▲ 0.50% · 4.625%
HK$9,171
+HK$526/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,290/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$9,049
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,292
−HK$246/mo
Today · 4.125%
HK$9,538
baseline
▲ 0.50% · 4.625%
HK$10,041
+HK$503/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,076/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$9,761
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,065
−HK$308/mo
Today · 4.125%
HK$10,373
baseline
▲ 0.50% · 4.625%
HK$11,005
+HK$632/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,746/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$10,859
−HK$587/mo
▼ 0.25% · 3.875%
HK$11,151
−HK$295/mo
Today · 4.125%
HK$11,446
baseline
▲ 0.50% · 4.625%
HK$12,049
+HK$603/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,892/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$11,388
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,742
−HK$360/mo
Today · 4.125%
HK$12,102
baseline
▲ 0.50% · 4.625%
HK$12,839
+HK$737/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,204/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$12,669
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,009
−HK$345/mo
Today · 4.125%
HK$13,354
baseline
▲ 0.50% · 4.625%
HK$14,058
+HK$704/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,708/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$14,642
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,097
−HK$463/mo
Today · 4.125%
HK$15,560
baseline
▲ 0.50% · 4.625%
HK$16,507
+HK$947/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$31,120/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$16,289
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,726
−HK$443/mo
Today · 4.125%
HK$17,169
baseline
▲ 0.50% · 4.625%
HK$18,074
+HK$905/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$34,338/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).