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$8,058
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,309
−HK$255/mo
Today · 4.125%
HK$8,564
baseline
▲ 0.50% · 4.625%
HK$9,085
+HK$521/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,128/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$8,965
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,205
−HK$244/mo
Today · 4.125%
HK$9,449
baseline
▲ 0.50% · 4.625%
HK$9,947
+HK$498/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,898/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$9,670
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,971
−HK$305/mo
Today · 4.125%
HK$10,276
baseline
▲ 0.50% · 4.625%
HK$10,902
+HK$626/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,552/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,758
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,046
−HK$293/mo
Today · 4.125%
HK$11,339
baseline
▲ 0.50% · 4.625%
HK$11,937
+HK$598/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,678/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,282
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,633
−HK$356/mo
Today · 4.125%
HK$11,989
baseline
▲ 0.50% · 4.625%
HK$12,719
+HK$730/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,978/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$12,551
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,887
−HK$342/mo
Today · 4.125%
HK$13,229
baseline
▲ 0.50% · 4.625%
HK$13,926
+HK$697/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,458/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$14,505
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,956
−HK$459/mo
Today · 4.125%
HK$15,415
baseline
▲ 0.50% · 4.625%
HK$16,352
+HK$937/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$30,830/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,137
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,569
−HK$439/mo
Today · 4.125%
HK$17,008
baseline
▲ 0.50% · 4.625%
HK$17,905
+HK$897/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$34,016/mo (50% DSR)
Upfront cash ≈ HK$353K (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).