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$8,124
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,377
−HK$257/mo
Today · 4.125%
HK$8,634
baseline
▲ 0.50% · 4.625%
HK$9,159
+HK$525/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,268/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$9,038
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,281
−HK$245/mo
Today · 4.125%
HK$9,526
baseline
▲ 0.50% · 4.625%
HK$10,029
+HK$503/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,052/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$9,749
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,052
−HK$308/mo
Today · 4.125%
HK$10,360
baseline
▲ 0.50% · 4.625%
HK$10,991
+HK$631/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,720/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$10,846
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,137
−HK$295/mo
Today · 4.125%
HK$11,432
baseline
▲ 0.50% · 4.625%
HK$12,034
+HK$602/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,864/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$11,374
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,728
−HK$359/mo
Today · 4.125%
HK$12,087
baseline
▲ 0.50% · 4.625%
HK$12,823
+HK$736/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,174/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$12,653
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,993
−HK$344/mo
Today · 4.125%
HK$13,337
baseline
▲ 0.50% · 4.625%
HK$14,040
+HK$703/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,674/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$14,624
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,079
−HK$462/mo
Today · 4.125%
HK$15,541
baseline
▲ 0.50% · 4.625%
HK$16,486
+HK$945/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$31,082/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$16,269
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,705
−HK$443/mo
Today · 4.125%
HK$17,148
baseline
▲ 0.50% · 4.625%
HK$18,051
+HK$903/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$34,296/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).