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$8,068
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,319
−HK$255/mo
Today · 4.125%
HK$8,574
baseline
▲ 0.50% · 4.625%
HK$9,095
+HK$521/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,148/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$8,975
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,216
−HK$244/mo
Today · 4.125%
HK$9,460
baseline
▲ 0.50% · 4.625%
HK$9,959
+HK$499/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,920/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$9,681
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,982
−HK$306/mo
Today · 4.125%
HK$10,288
baseline
▲ 0.50% · 4.625%
HK$10,914
+HK$626/mo
Deposit HK$1.42M · loan HK$2.12M · min. income ≈ HK$20,576/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$10,770
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,059
−HK$293/mo
Today · 4.125%
HK$11,352
baseline
▲ 0.50% · 4.625%
HK$11,950
+HK$598/mo
Deposit HK$1.42M · loan HK$2.12M · min. income ≈ HK$22,704/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$11,295
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,646
−HK$357/mo
Today · 4.125%
HK$12,003
baseline
▲ 0.50% · 4.625%
HK$12,733
+HK$730/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,006/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$12,565
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,902
−HK$342/mo
Today · 4.125%
HK$13,244
baseline
▲ 0.50% · 4.625%
HK$13,942
+HK$698/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,488/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$14,522
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,973
−HK$459/mo
Today · 4.125%
HK$15,432
baseline
▲ 0.50% · 4.625%
HK$16,371
+HK$939/mo
Deposit HK$354K · loan HK$3.18M · min. income ≈ HK$30,864/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$16,155
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,588
−HK$440/mo
Today · 4.125%
HK$17,028
baseline
▲ 0.50% · 4.625%
HK$17,926
+HK$898/mo
Deposit HK$354K · loan HK$3.18M · min. income ≈ HK$34,056/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).