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$8,079
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,330
−HK$255/mo
Today · 4.125%
HK$8,585
baseline
▲ 0.50% · 4.625%
HK$9,108
+HK$523/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,170/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$8,988
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,229
−HK$244/mo
Today · 4.125%
HK$9,473
baseline
▲ 0.50% · 4.625%
HK$9,972
+HK$499/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,946/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$9,695
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,996
−HK$306/mo
Today · 4.125%
HK$10,302
baseline
▲ 0.50% · 4.625%
HK$10,929
+HK$627/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,604/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$10,785
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,074
−HK$294/mo
Today · 4.125%
HK$11,368
baseline
▲ 0.50% · 4.625%
HK$11,967
+HK$599/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,736/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$11,310
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,662
−HK$358/mo
Today · 4.125%
HK$12,020
baseline
▲ 0.50% · 4.625%
HK$12,751
+HK$731/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,040/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$12,583
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,920
−HK$342/mo
Today · 4.125%
HK$13,262
baseline
▲ 0.50% · 4.625%
HK$13,961
+HK$699/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,524/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$14,542
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,994
−HK$460/mo
Today · 4.125%
HK$15,454
baseline
▲ 0.50% · 4.625%
HK$16,394
+HK$940/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$30,908/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$16,178
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,611
−HK$441/mo
Today · 4.125%
HK$17,052
baseline
▲ 0.50% · 4.625%
HK$17,950
+HK$898/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$34,104/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).