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$8,088
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,340
−HK$255/mo
Today · 4.125%
HK$8,595
baseline
▲ 0.50% · 4.625%
HK$9,118
+HK$523/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,190/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$8,998
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,239
−HK$245/mo
Today · 4.125%
HK$9,484
baseline
▲ 0.50% · 4.625%
HK$9,984
+HK$500/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,968/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$9,706
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,007
−HK$307/mo
Today · 4.125%
HK$10,314
baseline
▲ 0.50% · 4.625%
HK$10,942
+HK$628/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,628/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$10,797
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,087
−HK$294/mo
Today · 4.125%
HK$11,381
baseline
▲ 0.50% · 4.625%
HK$11,981
+HK$600/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,762/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$11,323
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,675
−HK$358/mo
Today · 4.125%
HK$12,033
baseline
▲ 0.50% · 4.625%
HK$12,765
+HK$732/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,066/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$12,597
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,935
−HK$342/mo
Today · 4.125%
HK$13,277
baseline
▲ 0.50% · 4.625%
HK$13,977
+HK$700/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,554/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$14,558
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,011
−HK$460/mo
Today · 4.125%
HK$15,471
baseline
▲ 0.50% · 4.625%
HK$16,413
+HK$942/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$30,942/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,196
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,630
−HK$441/mo
Today · 4.125%
HK$17,071
baseline
▲ 0.50% · 4.625%
HK$17,971
+HK$900/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$34,142/mo (50% DSR)
Upfront cash ≈ HK$355K (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).