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$8,052
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,303
−HK$254/mo
Today · 4.125%
HK$8,557
baseline
▲ 0.50% · 4.625%
HK$9,078
+HK$521/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,114/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$8,958
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,198
−HK$244/mo
Today · 4.125%
HK$9,442
baseline
▲ 0.50% · 4.625%
HK$9,940
+HK$498/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,884/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$9,663
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,963
−HK$306/mo
Today · 4.125%
HK$10,269
baseline
▲ 0.50% · 4.625%
HK$10,893
+HK$624/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,538/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$10,750
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,038
−HK$292/mo
Today · 4.125%
HK$11,330
baseline
▲ 0.50% · 4.625%
HK$11,928
+HK$598/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,660/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$11,273
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,624
−HK$356/mo
Today · 4.125%
HK$11,980
baseline
▲ 0.50% · 4.625%
HK$12,709
+HK$729/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,960/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$12,541
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,878
−HK$341/mo
Today · 4.125%
HK$13,219
baseline
▲ 0.50% · 4.625%
HK$13,916
+HK$697/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,438/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$14,494
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,945
−HK$458/mo
Today · 4.125%
HK$15,403
baseline
▲ 0.50% · 4.625%
HK$16,340
+HK$937/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$30,806/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$16,124
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,557
−HK$439/mo
Today · 4.125%
HK$16,996
baseline
▲ 0.50% · 4.625%
HK$17,891
+HK$895/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$33,992/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).