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$8,123
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,375
−HK$257/mo
Today · 4.125%
HK$8,632
baseline
▲ 0.50% · 4.625%
HK$9,157
+HK$525/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,264/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$9,036
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,279
−HK$246/mo
Today · 4.125%
HK$9,525
baseline
▲ 0.50% · 4.625%
HK$10,027
+HK$502/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,050/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$9,747
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,051
−HK$308/mo
Today · 4.125%
HK$10,359
baseline
▲ 0.50% · 4.625%
HK$10,989
+HK$630/mo
Deposit HK$1.42M · loan HK$2.14M · min. income ≈ HK$20,718/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$10,844
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,135
−HK$295/mo
Today · 4.125%
HK$11,430
baseline
▲ 0.50% · 4.625%
HK$12,032
+HK$602/mo
Deposit HK$1.42M · loan HK$2.14M · min. income ≈ HK$22,860/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$11,372
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,726
−HK$359/mo
Today · 4.125%
HK$12,085
baseline
▲ 0.50% · 4.625%
HK$12,820
+HK$735/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,170/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$12,651
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,990
−HK$345/mo
Today · 4.125%
HK$13,335
baseline
▲ 0.50% · 4.625%
HK$14,037
+HK$702/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,670/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$14,621
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,076
−HK$462/mo
Today · 4.125%
HK$15,538
baseline
▲ 0.50% · 4.625%
HK$16,483
+HK$945/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$31,076/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$16,266
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,702
−HK$442/mo
Today · 4.125%
HK$17,144
baseline
▲ 0.50% · 4.625%
HK$18,048
+HK$904/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$34,288/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).