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$8,053
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,304
−HK$254/mo
Today · 4.125%
HK$8,558
baseline
▲ 0.50% · 4.625%
HK$9,079
+HK$521/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,116/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$8,959
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,200
−HK$243/mo
Today · 4.125%
HK$9,443
baseline
▲ 0.50% · 4.625%
HK$9,941
+HK$498/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,886/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$9,664
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,965
−HK$305/mo
Today · 4.125%
HK$10,270
baseline
▲ 0.50% · 4.625%
HK$10,895
+HK$625/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,540/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$10,751
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,039
−HK$293/mo
Today · 4.125%
HK$11,332
baseline
▲ 0.50% · 4.625%
HK$11,929
+HK$597/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,664/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$11,625
−HK$357/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$12,543
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,879
−HK$342/mo
Today · 4.125%
HK$13,221
baseline
▲ 0.50% · 4.625%
HK$13,917
+HK$696/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$14,496
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,947
−HK$458/mo
Today · 4.125%
HK$15,405
baseline
▲ 0.50% · 4.625%
HK$16,342
+HK$937/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$30,810/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$16,127
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,559
−HK$439/mo
Today · 4.125%
HK$16,998
baseline
▲ 0.50% · 4.625%
HK$17,894
+HK$896/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$33,996/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).