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$8,060
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,311
−HK$254/mo
Today · 4.125%
HK$8,565
baseline
▲ 0.50% · 4.625%
HK$9,086
+HK$521/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,130/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$8,966
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,207
−HK$244/mo
Today · 4.125%
HK$9,451
baseline
▲ 0.50% · 4.625%
HK$9,949
+HK$498/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,902/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$9,672
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,973
−HK$305/mo
Today · 4.125%
HK$10,278
baseline
▲ 0.50% · 4.625%
HK$10,904
+HK$626/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,556/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$10,760
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,048
−HK$293/mo
Today · 4.125%
HK$11,341
baseline
▲ 0.50% · 4.625%
HK$11,939
+HK$598/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,682/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$11,284
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,635
−HK$356/mo
Today · 4.125%
HK$11,991
baseline
▲ 0.50% · 4.625%
HK$12,721
+HK$730/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,982/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$12,553
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,890
−HK$341/mo
Today · 4.125%
HK$13,231
baseline
▲ 0.50% · 4.625%
HK$13,929
+HK$698/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,462/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$14,508
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,959
−HK$458/mo
Today · 4.125%
HK$15,417
baseline
▲ 0.50% · 4.625%
HK$16,356
+HK$939/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$30,834/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$16,140
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,573
−HK$439/mo
Today · 4.125%
HK$17,012
baseline
▲ 0.50% · 4.625%
HK$17,908
+HK$896/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$34,024/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).