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$8,096
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,348
−HK$256/mo
Today · 4.125%
HK$8,604
baseline
▲ 0.50% · 4.625%
HK$9,128
+HK$524/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,208/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$9,007
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,249
−HK$245/mo
Today · 4.125%
HK$9,494
baseline
▲ 0.50% · 4.625%
HK$9,994
+HK$500/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$18,988/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$9,716
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,018
−HK$307/mo
Today · 4.125%
HK$10,325
baseline
▲ 0.50% · 4.625%
HK$10,953
+HK$628/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,650/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$10,808
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,098
−HK$294/mo
Today · 4.125%
HK$11,392
baseline
▲ 0.50% · 4.625%
HK$11,993
+HK$601/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,784/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$11,335
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,687
−HK$359/mo
Today · 4.125%
HK$12,046
baseline
▲ 0.50% · 4.625%
HK$12,779
+HK$733/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,092/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$12,610
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,948
−HK$343/mo
Today · 4.125%
HK$13,291
baseline
▲ 0.50% · 4.625%
HK$13,992
+HK$701/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,582/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$14,573
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,027
−HK$460/mo
Today · 4.125%
HK$15,487
baseline
▲ 0.50% · 4.625%
HK$16,430
+HK$943/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$30,974/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$16,213
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,647
−HK$442/mo
Today · 4.125%
HK$17,089
baseline
▲ 0.50% · 4.625%
HK$17,989
+HK$900/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$34,178/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).