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$8,077
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,329
−HK$255/mo
Today · 4.125%
HK$8,584
baseline
▲ 0.50% · 4.625%
HK$9,106
+HK$522/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,168/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$8,986
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,227
−HK$244/mo
Today · 4.125%
HK$9,471
baseline
▲ 0.50% · 4.625%
HK$9,971
+HK$500/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,942/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$9,693
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,994
−HK$307/mo
Today · 4.125%
HK$10,301
baseline
▲ 0.50% · 4.625%
HK$10,927
+HK$626/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,602/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$10,783
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,072
−HK$294/mo
Today · 4.125%
HK$11,366
baseline
▲ 0.50% · 4.625%
HK$11,965
+HK$599/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,732/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$11,308
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,660
−HK$357/mo
Today · 4.125%
HK$12,017
baseline
▲ 0.50% · 4.625%
HK$12,749
+HK$732/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,034/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$12,580
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,918
−HK$342/mo
Today · 4.125%
HK$13,260
baseline
▲ 0.50% · 4.625%
HK$13,959
+HK$699/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,520/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$14,539
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,991
−HK$460/mo
Today · 4.125%
HK$15,451
baseline
▲ 0.50% · 4.625%
HK$16,391
+HK$940/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$30,902/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$16,175
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,609
−HK$440/mo
Today · 4.125%
HK$17,049
baseline
▲ 0.50% · 4.625%
HK$17,947
+HK$898/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$34,098/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).