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$8,132
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,385
−HK$257/mo
Today · 4.125%
HK$8,642
baseline
▲ 0.50% · 4.625%
HK$9,167
+HK$525/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,284/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$9,046
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,289
−HK$246/mo
Today · 4.125%
HK$9,535
baseline
▲ 0.50% · 4.625%
HK$10,038
+HK$503/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,070/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$9,758
−HK$612/mo
▼ 0.25% · 3.875%
HK$10,061
−HK$309/mo
Today · 4.125%
HK$10,370
baseline
▲ 0.50% · 4.625%
HK$11,001
+HK$631/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,740/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$10,856
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,147
−HK$295/mo
Today · 4.125%
HK$11,442
baseline
▲ 0.50% · 4.625%
HK$12,045
+HK$603/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,884/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$11,384
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,738
−HK$360/mo
Today · 4.125%
HK$12,098
baseline
▲ 0.50% · 4.625%
HK$12,834
+HK$736/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,196/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$12,665
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,005
−HK$344/mo
Today · 4.125%
HK$13,349
baseline
▲ 0.50% · 4.625%
HK$14,053
+HK$704/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,698/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$14,637
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,092
−HK$463/mo
Today · 4.125%
HK$15,555
baseline
▲ 0.50% · 4.625%
HK$16,501
+HK$946/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$31,110/mo (50% DSR)
Upfront cash ≈ HK$357K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,283
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,720
−HK$443/mo
Today · 4.125%
HK$17,163
baseline
▲ 0.50% · 4.625%
HK$18,068
+HK$905/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$34,326/mo (50% DSR)
Upfront cash ≈ HK$357K (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).