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$8,093
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,345
−HK$256/mo
Today · 4.125%
HK$8,601
baseline
▲ 0.50% · 4.625%
HK$9,124
+HK$523/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,202/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$9,004
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,245
−HK$245/mo
Today · 4.125%
HK$9,490
baseline
▲ 0.50% · 4.625%
HK$9,990
+HK$500/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,980/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$9,712
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,014
−HK$307/mo
Today · 4.125%
HK$10,321
baseline
▲ 0.50% · 4.625%
HK$10,949
+HK$628/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,642/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$10,804
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,094
−HK$294/mo
Today · 4.125%
HK$11,388
baseline
▲ 0.50% · 4.625%
HK$11,988
+HK$600/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,776/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$11,331
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,683
−HK$358/mo
Today · 4.125%
HK$12,041
baseline
▲ 0.50% · 4.625%
HK$12,774
+HK$733/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,082/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$12,605
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,943
−HK$343/mo
Today · 4.125%
HK$13,286
baseline
▲ 0.50% · 4.625%
HK$13,987
+HK$701/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,572/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$14,568
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,021
−HK$460/mo
Today · 4.125%
HK$15,481
baseline
▲ 0.50% · 4.625%
HK$16,423
+HK$942/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$30,962/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$16,207
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,641
−HK$441/mo
Today · 4.125%
HK$17,082
baseline
▲ 0.50% · 4.625%
HK$17,983
+HK$901/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$34,164/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).