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$8,125
−HK$509/mo
▼ 0.25% · 3.875%
HK$8,378
−HK$256/mo
Today · 4.125%
HK$8,634
baseline
▲ 0.50% · 4.625%
HK$9,160
+HK$526/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$17,268/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$9,039
−HK$488/mo
▼ 0.25% · 3.875%
HK$9,281
−HK$246/mo
Today · 4.125%
HK$9,527
baseline
▲ 0.50% · 4.625%
HK$10,029
+HK$502/mo
Deposit HK$1.78M · loan HK$1.78M · min. income ≈ HK$19,054/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$9,750
−HK$611/mo
▼ 0.25% · 3.875%
HK$10,053
−HK$308/mo
Today · 4.125%
HK$10,361
baseline
▲ 0.50% · 4.625%
HK$10,992
+HK$631/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$20,722/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$10,847
−HK$586/mo
▼ 0.25% · 3.875%
HK$11,138
−HK$295/mo
Today · 4.125%
HK$11,433
baseline
▲ 0.50% · 4.625%
HK$12,035
+HK$602/mo
Deposit HK$1.43M · loan HK$2.14M · min. income ≈ HK$22,866/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$11,375
−HK$713/mo
▼ 0.25% · 3.875%
HK$11,729
−HK$359/mo
Today · 4.125%
HK$12,088
baseline
▲ 0.50% · 4.625%
HK$12,824
+HK$736/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$24,176/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$12,654
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,994
−HK$344/mo
Today · 4.125%
HK$13,338
baseline
▲ 0.50% · 4.625%
HK$14,041
+HK$703/mo
Deposit HK$1.07M · loan HK$2.49M · min. income ≈ HK$26,676/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$14,625
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,080
−HK$462/mo
Today · 4.125%
HK$15,542
baseline
▲ 0.50% · 4.625%
HK$16,488
+HK$946/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$31,084/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$16,270
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,706
−HK$443/mo
Today · 4.125%
HK$17,149
baseline
▲ 0.50% · 4.625%
HK$18,053
+HK$904/mo
Deposit HK$356K · loan HK$3.21M · min. income ≈ HK$34,298/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).