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$8,054
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,304
−HK$255/mo
Today · 4.125%
HK$8,559
baseline
▲ 0.50% · 4.625%
HK$9,080
+HK$521/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,118/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$8,960
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,200
−HK$244/mo
Today · 4.125%
HK$9,444
baseline
▲ 0.50% · 4.625%
HK$9,942
+HK$498/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,888/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$9,665
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,965
−HK$306/mo
Today · 4.125%
HK$10,271
baseline
▲ 0.50% · 4.625%
HK$10,896
+HK$625/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,542/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$10,752
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,040
−HK$293/mo
Today · 4.125%
HK$11,333
baseline
▲ 0.50% · 4.625%
HK$11,930
+HK$597/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,666/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$11,275
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,626
−HK$356/mo
Today · 4.125%
HK$11,982
baseline
▲ 0.50% · 4.625%
HK$12,711
+HK$729/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,964/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$12,544
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,880
−HK$341/mo
Today · 4.125%
HK$13,221
baseline
▲ 0.50% · 4.625%
HK$13,918
+HK$697/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,442/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$14,497
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,948
−HK$458/mo
Today · 4.125%
HK$15,406
baseline
▲ 0.50% · 4.625%
HK$16,343
+HK$937/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$30,812/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$16,128
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,560
−HK$439/mo
Today · 4.125%
HK$16,999
baseline
▲ 0.50% · 4.625%
HK$17,895
+HK$896/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$33,998/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).