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$8,051
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,301
−HK$255/mo
Today · 4.125%
HK$8,556
baseline
▲ 0.50% · 4.625%
HK$9,076
+HK$520/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,112/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$8,956
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,197
−HK$243/mo
Today · 4.125%
HK$9,440
baseline
▲ 0.50% · 4.625%
HK$9,938
+HK$498/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,880/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$9,661
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,962
−HK$305/mo
Today · 4.125%
HK$10,267
baseline
▲ 0.50% · 4.625%
HK$10,892
+HK$625/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,534/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$10,748
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,036
−HK$292/mo
Today · 4.125%
HK$11,328
baseline
▲ 0.50% · 4.625%
HK$11,926
+HK$598/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,656/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$11,271
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,622
−HK$356/mo
Today · 4.125%
HK$11,978
baseline
▲ 0.50% · 4.625%
HK$12,707
+HK$729/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,956/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$12,539
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,875
−HK$342/mo
Today · 4.125%
HK$13,217
baseline
▲ 0.50% · 4.625%
HK$13,913
+HK$696/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,434/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$14,492
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,942
−HK$458/mo
Today · 4.125%
HK$15,400
baseline
▲ 0.50% · 4.625%
HK$16,337
+HK$937/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$30,800/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,122
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,554
−HK$439/mo
Today · 4.125%
HK$16,993
baseline
▲ 0.50% · 4.625%
HK$17,888
+HK$895/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$33,986/mo (50% DSR)
Upfront cash ≈ HK$353K (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).