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$8,061
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,311
−HK$255/mo
Today · 4.125%
HK$8,566
baseline
▲ 0.50% · 4.625%
HK$9,087
+HK$521/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,132/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$8,968
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,208
−HK$244/mo
Today · 4.125%
HK$9,452
baseline
▲ 0.50% · 4.625%
HK$9,950
+HK$498/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,904/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$9,673
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,974
−HK$305/mo
Today · 4.125%
HK$10,279
baseline
▲ 0.50% · 4.625%
HK$10,905
+HK$626/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,558/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$10,761
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,050
−HK$292/mo
Today · 4.125%
HK$11,342
baseline
▲ 0.50% · 4.625%
HK$11,940
+HK$598/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,684/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$11,285
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,636
−HK$357/mo
Today · 4.125%
HK$11,993
baseline
▲ 0.50% · 4.625%
HK$12,722
+HK$729/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,986/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$12,555
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,891
−HK$342/mo
Today · 4.125%
HK$13,233
baseline
▲ 0.50% · 4.625%
HK$13,930
+HK$697/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,466/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$14,509
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,961
−HK$458/mo
Today · 4.125%
HK$15,419
baseline
▲ 0.50% · 4.625%
HK$16,357
+HK$938/mo
Deposit HK$354K · loan HK$3.18M · min. income ≈ HK$30,838/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$16,142
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,574
−HK$440/mo
Today · 4.125%
HK$17,014
baseline
▲ 0.50% · 4.625%
HK$17,910
+HK$896/mo
Deposit HK$354K · loan HK$3.18M · min. income ≈ HK$34,028/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).