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$8,080
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,331
−HK$255/mo
Today · 4.125%
HK$8,586
baseline
▲ 0.50% · 4.625%
HK$9,109
+HK$523/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,172/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$8,989
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,230
−HK$244/mo
Today · 4.125%
HK$9,474
baseline
▲ 0.50% · 4.625%
HK$9,974
+HK$500/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,948/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$9,696
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,997
−HK$307/mo
Today · 4.125%
HK$10,304
baseline
▲ 0.50% · 4.625%
HK$10,931
+HK$627/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,608/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$10,786
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,076
−HK$293/mo
Today · 4.125%
HK$11,369
baseline
▲ 0.50% · 4.625%
HK$11,968
+HK$599/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,738/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$11,312
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,663
−HK$358/mo
Today · 4.125%
HK$12,021
baseline
▲ 0.50% · 4.625%
HK$12,752
+HK$731/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,042/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$12,584
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,921
−HK$343/mo
Today · 4.125%
HK$13,264
baseline
▲ 0.50% · 4.625%
HK$13,963
+HK$699/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,528/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$14,543
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,996
−HK$459/mo
Today · 4.125%
HK$15,455
baseline
▲ 0.50% · 4.625%
HK$16,396
+HK$941/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$30,910/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$16,179
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,613
−HK$441/mo
Today · 4.125%
HK$17,054
baseline
▲ 0.50% · 4.625%
HK$17,952
+HK$898/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$34,108/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).