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$8,080
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,332
−HK$255/mo
Today · 4.125%
HK$8,587
baseline
▲ 0.50% · 4.625%
HK$9,110
+HK$523/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,174/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$8,989
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,230
−HK$245/mo
Today · 4.125%
HK$9,475
baseline
▲ 0.50% · 4.625%
HK$9,974
+HK$499/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,950/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$9,696
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,998
−HK$306/mo
Today · 4.125%
HK$10,304
baseline
▲ 0.50% · 4.625%
HK$10,932
+HK$628/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,608/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$10,787
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,077
−HK$293/mo
Today · 4.125%
HK$11,370
baseline
▲ 0.50% · 4.625%
HK$11,969
+HK$599/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,740/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$11,313
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,664
−HK$358/mo
Today · 4.125%
HK$12,022
baseline
▲ 0.50% · 4.625%
HK$12,753
+HK$731/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,044/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$12,585
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,923
−HK$342/mo
Today · 4.125%
HK$13,265
baseline
▲ 0.50% · 4.625%
HK$13,964
+HK$699/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,530/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$14,545
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,997
−HK$460/mo
Today · 4.125%
HK$15,457
baseline
▲ 0.50% · 4.625%
HK$16,397
+HK$940/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$30,914/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$16,181
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,615
−HK$440/mo
Today · 4.125%
HK$17,055
baseline
▲ 0.50% · 4.625%
HK$17,954
+HK$899/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$34,110/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).