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$8,066
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,317
−HK$255/mo
Today · 4.125%
HK$8,572
baseline
▲ 0.50% · 4.625%
HK$9,093
+HK$521/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,144/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$8,973
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,214
−HK$244/mo
Today · 4.125%
HK$9,458
baseline
▲ 0.50% · 4.625%
HK$9,957
+HK$499/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,916/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$9,679
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,980
−HK$306/mo
Today · 4.125%
HK$10,286
baseline
▲ 0.50% · 4.625%
HK$10,912
+HK$626/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,572/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,768
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,057
−HK$293/mo
Today · 4.125%
HK$11,350
baseline
▲ 0.50% · 4.625%
HK$11,948
+HK$598/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,700/mo (50% DSR)
Upfront cash ≈ HK$1.42M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,293
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,644
−HK$357/mo
Today · 4.125%
HK$12,001
baseline
▲ 0.50% · 4.625%
HK$12,731
+HK$730/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,002/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$12,563
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,900
−HK$342/mo
Today · 4.125%
HK$13,242
baseline
▲ 0.50% · 4.625%
HK$13,940
+HK$698/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,484/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$14,519
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,971
−HK$458/mo
Today · 4.125%
HK$15,429
baseline
▲ 0.50% · 4.625%
HK$16,368
+HK$939/mo
Deposit HK$354K · loan HK$3.18M · min. income ≈ HK$30,858/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$16,152
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,585
−HK$440/mo
Today · 4.125%
HK$17,025
baseline
▲ 0.50% · 4.625%
HK$17,922
+HK$897/mo
Deposit HK$354K · loan HK$3.18M · min. income ≈ HK$34,050/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).