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$8,083
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,334
−HK$255/mo
Today · 4.125%
HK$8,589
baseline
▲ 0.50% · 4.625%
HK$9,112
+HK$523/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,178/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$8,992
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,233
−HK$245/mo
Today · 4.125%
HK$9,478
baseline
▲ 0.50% · 4.625%
HK$9,977
+HK$499/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,956/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$9,699
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,001
−HK$306/mo
Today · 4.125%
HK$10,307
baseline
▲ 0.50% · 4.625%
HK$10,934
+HK$627/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,614/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$10,790
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,080
−HK$293/mo
Today · 4.125%
HK$11,373
baseline
▲ 0.50% · 4.625%
HK$11,973
+HK$600/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,746/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$11,316
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,668
−HK$357/mo
Today · 4.125%
HK$12,025
baseline
▲ 0.50% · 4.625%
HK$12,757
+HK$732/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,050/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$12,589
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,926
−HK$343/mo
Today · 4.125%
HK$13,269
baseline
▲ 0.50% · 4.625%
HK$13,968
+HK$699/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,538/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$14,549
−HK$912/mo
▼ 0.25% · 3.875%
HK$15,001
−HK$460/mo
Today · 4.125%
HK$15,461
baseline
▲ 0.50% · 4.625%
HK$16,402
+HK$941/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$30,922/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,185
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,619
−HK$441/mo
Today · 4.125%
HK$17,060
baseline
▲ 0.50% · 4.625%
HK$17,959
+HK$899/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$34,120/mo (50% DSR)
Upfront cash ≈ HK$355K (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).