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$8,116
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,369
−HK$256/mo
Today · 4.125%
HK$8,625
baseline
▲ 0.50% · 4.625%
HK$9,150
+HK$525/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,250/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$9,029
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,271
−HK$246/mo
Today · 4.125%
HK$9,517
baseline
▲ 0.50% · 4.625%
HK$10,019
+HK$502/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,034/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$9,740
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,043
−HK$307/mo
Today · 4.125%
HK$10,350
baseline
▲ 0.50% · 4.625%
HK$10,980
+HK$630/mo
Deposit HK$1.42M · loan HK$2.14M · min. income ≈ HK$20,700/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$10,835
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,126
−HK$295/mo
Today · 4.125%
HK$11,421
baseline
▲ 0.50% · 4.625%
HK$12,023
+HK$602/mo
Deposit HK$1.42M · loan HK$2.14M · min. income ≈ HK$22,842/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$11,363
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,716
−HK$359/mo
Today · 4.125%
HK$12,075
baseline
▲ 0.50% · 4.625%
HK$12,810
+HK$735/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,150/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$12,641
−HK$683/mo
▼ 0.25% · 3.875%
HK$12,980
−HK$344/mo
Today · 4.125%
HK$13,324
baseline
▲ 0.50% · 4.625%
HK$14,026
+HK$702/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,648/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$14,609
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,064
−HK$462/mo
Today · 4.125%
HK$15,526
baseline
▲ 0.50% · 4.625%
HK$16,470
+HK$944/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$31,052/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$16,253
−HK$878/mo
▼ 0.25% · 3.875%
HK$16,689
−HK$442/mo
Today · 4.125%
HK$17,131
baseline
▲ 0.50% · 4.625%
HK$18,034
+HK$903/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$34,262/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).