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$8,065
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,316
−HK$255/mo
Today · 4.125%
HK$8,571
baseline
▲ 0.50% · 4.625%
HK$9,092
+HK$521/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,142/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$8,972
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,213
−HK$244/mo
Today · 4.125%
HK$9,457
baseline
▲ 0.50% · 4.625%
HK$9,956
+HK$499/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,914/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$9,678
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,979
−HK$306/mo
Today · 4.125%
HK$10,285
baseline
▲ 0.50% · 4.625%
HK$10,911
+HK$626/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,570/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$10,767
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,055
−HK$293/mo
Today · 4.125%
HK$11,348
baseline
▲ 0.50% · 4.625%
HK$11,947
+HK$599/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,696/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$11,291
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,642
−HK$357/mo
Today · 4.125%
HK$11,999
baseline
▲ 0.50% · 4.625%
HK$12,729
+HK$730/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$23,998/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$12,561
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,898
−HK$342/mo
Today · 4.125%
HK$13,240
baseline
▲ 0.50% · 4.625%
HK$13,938
+HK$698/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,480/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$14,517
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,969
−HK$458/mo
Today · 4.125%
HK$15,427
baseline
▲ 0.50% · 4.625%
HK$16,366
+HK$939/mo
Deposit HK$354K · loan HK$3.18M · min. income ≈ HK$30,854/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$16,150
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,583
−HK$440/mo
Today · 4.125%
HK$17,023
baseline
▲ 0.50% · 4.625%
HK$17,920
+HK$897/mo
Deposit HK$354K · loan HK$3.18M · min. income ≈ HK$34,046/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).