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$8,136
−HK$510/mo
▼ 0.25% · 3.875%
HK$8,389
−HK$257/mo
Today · 4.125%
HK$8,646
baseline
▲ 0.50% · 4.625%
HK$9,172
+HK$526/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,292/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$9,051
−HK$489/mo
▼ 0.25% · 3.875%
HK$9,294
−HK$246/mo
Today · 4.125%
HK$9,540
baseline
▲ 0.50% · 4.625%
HK$10,043
+HK$503/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,080/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$9,763
−HK$613/mo
▼ 0.25% · 3.875%
HK$10,067
−HK$309/mo
Today · 4.125%
HK$10,376
baseline
▲ 0.50% · 4.625%
HK$11,007
+HK$631/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,752/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$10,862
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,153
−HK$295/mo
Today · 4.125%
HK$11,448
baseline
▲ 0.50% · 4.625%
HK$12,052
+HK$604/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,896/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$11,391
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,745
−HK$360/mo
Today · 4.125%
HK$12,105
baseline
▲ 0.50% · 4.625%
HK$12,841
+HK$736/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$24,210/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$12,672
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,012
−HK$345/mo
Today · 4.125%
HK$13,357
baseline
▲ 0.50% · 4.625%
HK$14,061
+HK$704/mo
Deposit HK$1.07M · loan HK$2.50M · min. income ≈ HK$26,714/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$14,645
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,101
−HK$462/mo
Today · 4.125%
HK$15,563
baseline
▲ 0.50% · 4.625%
HK$16,510
+HK$947/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$31,126/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$16,292
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,729
−HK$444/mo
Today · 4.125%
HK$17,173
baseline
▲ 0.50% · 4.625%
HK$18,078
+HK$905/mo
Deposit HK$357K · loan HK$3.21M · min. income ≈ HK$34,346/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).