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$8,071
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,322
−HK$256/mo
Today · 4.125%
HK$8,578
baseline
▲ 0.50% · 4.625%
HK$9,099
+HK$521/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,156/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$8,979
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,220
−HK$244/mo
Today · 4.125%
HK$9,464
baseline
▲ 0.50% · 4.625%
HK$9,963
+HK$499/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,928/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$9,686
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,987
−HK$306/mo
Today · 4.125%
HK$10,293
baseline
▲ 0.50% · 4.625%
HK$10,919
+HK$626/mo
Deposit HK$1.42M · loan HK$2.12M · min. income ≈ HK$20,586/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$10,775
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,064
−HK$293/mo
Today · 4.125%
HK$11,357
baseline
▲ 0.50% · 4.625%
HK$11,956
+HK$599/mo
Deposit HK$1.42M · loan HK$2.12M · min. income ≈ HK$22,714/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$11,300
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,651
−HK$358/mo
Today · 4.125%
HK$12,009
baseline
▲ 0.50% · 4.625%
HK$12,739
+HK$730/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,018/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$12,571
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,908
−HK$342/mo
Today · 4.125%
HK$13,250
baseline
▲ 0.50% · 4.625%
HK$13,949
+HK$699/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,500/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$14,529
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,980
−HK$460/mo
Today · 4.125%
HK$15,440
baseline
▲ 0.50% · 4.625%
HK$16,379
+HK$939/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$30,880/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$16,163
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,596
−HK$440/mo
Today · 4.125%
HK$17,036
baseline
▲ 0.50% · 4.625%
HK$17,934
+HK$898/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$34,072/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).