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$8,080
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,331
−HK$256/mo
Today · 4.125%
HK$8,587
baseline
▲ 0.50% · 4.625%
HK$9,109
+HK$522/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,174/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,989
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,230
−HK$245/mo
Today · 4.125%
HK$9,475
baseline
▲ 0.50% · 4.625%
HK$9,974
+HK$499/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,950/mo (50% DSR)
Upfront cash ≈ HK$1.77M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,696
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,998
−HK$306/mo
Today · 4.125%
HK$10,304
baseline
▲ 0.50% · 4.625%
HK$10,931
+HK$627/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,608/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$10,787
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,076
−HK$293/mo
Today · 4.125%
HK$11,369
baseline
▲ 0.50% · 4.625%
HK$11,969
+HK$600/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,738/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$11,312
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,664
−HK$357/mo
Today · 4.125%
HK$12,021
baseline
▲ 0.50% · 4.625%
HK$12,753
+HK$732/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,042/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,584
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,922
−HK$342/mo
Today · 4.125%
HK$13,264
baseline
▲ 0.50% · 4.625%
HK$13,964
+HK$700/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,528/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,544
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,996
−HK$460/mo
Today · 4.125%
HK$15,456
baseline
▲ 0.50% · 4.625%
HK$16,396
+HK$940/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$30,912/mo (50% DSR)
Upfront cash ≈ HK$354K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,180
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,614
−HK$440/mo
Today · 4.125%
HK$17,054
baseline
▲ 0.50% · 4.625%
HK$17,953
+HK$899/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$34,108/mo (50% DSR)
Upfront cash ≈ HK$354K (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).