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$8,099
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,351
−HK$256/mo
Today · 4.125%
HK$8,607
baseline
▲ 0.50% · 4.625%
HK$9,130
+HK$523/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,214/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$9,010
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,252
−HK$245/mo
Today · 4.125%
HK$9,497
baseline
▲ 0.50% · 4.625%
HK$9,997
+HK$500/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$18,994/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$9,719
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,021
−HK$307/mo
Today · 4.125%
HK$10,328
baseline
▲ 0.50% · 4.625%
HK$10,957
+HK$629/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,656/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$10,812
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,102
−HK$294/mo
Today · 4.125%
HK$11,396
baseline
▲ 0.50% · 4.625%
HK$11,997
+HK$601/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,792/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$11,338
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,691
−HK$358/mo
Today · 4.125%
HK$12,049
baseline
▲ 0.50% · 4.625%
HK$12,783
+HK$734/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,098/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$12,614
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,952
−HK$343/mo
Today · 4.125%
HK$13,295
baseline
▲ 0.50% · 4.625%
HK$13,996
+HK$701/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,590/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$14,578
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,031
−HK$461/mo
Today · 4.125%
HK$15,492
baseline
▲ 0.50% · 4.625%
HK$16,435
+HK$943/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$30,984/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$16,218
−HK$876/mo
▼ 0.25% · 3.875%
HK$16,653
−HK$441/mo
Today · 4.125%
HK$17,094
baseline
▲ 0.50% · 4.625%
HK$17,995
+HK$901/mo
Deposit HK$355K · loan HK$3.20M · min. income ≈ HK$34,188/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).