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$8,112
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,365
−HK$256/mo
Today · 4.125%
HK$8,621
baseline
▲ 0.50% · 4.625%
HK$9,146
+HK$525/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,242/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$9,025
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,267
−HK$245/mo
Today · 4.125%
HK$9,512
baseline
▲ 0.50% · 4.625%
HK$10,014
+HK$502/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,024/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$9,735
−HK$610/mo
▼ 0.25% · 3.875%
HK$10,038
−HK$307/mo
Today · 4.125%
HK$10,345
baseline
▲ 0.50% · 4.625%
HK$10,975
+HK$630/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,690/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$10,830
−HK$585/mo
▼ 0.25% · 3.875%
HK$11,120
−HK$295/mo
Today · 4.125%
HK$11,415
baseline
▲ 0.50% · 4.625%
HK$12,017
+HK$602/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,830/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$11,357
−HK$712/mo
▼ 0.25% · 3.875%
HK$11,711
−HK$358/mo
Today · 4.125%
HK$12,069
baseline
▲ 0.50% · 4.625%
HK$12,804
+HK$735/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,138/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$12,635
−HK$682/mo
▼ 0.25% · 3.875%
HK$12,974
−HK$343/mo
Today · 4.125%
HK$13,317
baseline
▲ 0.50% · 4.625%
HK$14,019
+HK$702/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,634/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$14,602
−HK$916/mo
▼ 0.25% · 3.875%
HK$15,056
−HK$462/mo
Today · 4.125%
HK$15,518
baseline
▲ 0.50% · 4.625%
HK$16,462
+HK$944/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$31,036/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$16,245
−HK$877/mo
▼ 0.25% · 3.875%
HK$16,680
−HK$442/mo
Today · 4.125%
HK$17,122
baseline
▲ 0.50% · 4.625%
HK$18,025
+HK$903/mo
Deposit HK$356K · loan HK$3.20M · min. income ≈ HK$34,244/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).