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$8,074
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,325
−HK$255/mo
Today · 4.125%
HK$8,580
baseline
▲ 0.50% · 4.625%
HK$9,102
+HK$522/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,160/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$8,982
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,223
−HK$244/mo
Today · 4.125%
HK$9,467
baseline
▲ 0.50% · 4.625%
HK$9,967
+HK$500/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,934/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$9,689
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,990
−HK$306/mo
Today · 4.125%
HK$10,296
baseline
▲ 0.50% · 4.625%
HK$10,923
+HK$627/mo
Deposit HK$1.42M · loan HK$2.12M · min. income ≈ HK$20,592/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$10,779
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,068
−HK$293/mo
Today · 4.125%
HK$11,361
baseline
▲ 0.50% · 4.625%
HK$11,960
+HK$599/mo
Deposit HK$1.42M · loan HK$2.12M · min. income ≈ HK$22,722/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$11,304
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,655
−HK$357/mo
Today · 4.125%
HK$12,012
baseline
▲ 0.50% · 4.625%
HK$12,743
+HK$731/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,024/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$12,575
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,912
−HK$342/mo
Today · 4.125%
HK$13,254
baseline
▲ 0.50% · 4.625%
HK$13,953
+HK$699/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,508/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$14,533
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,985
−HK$459/mo
Today · 4.125%
HK$15,444
baseline
▲ 0.50% · 4.625%
HK$16,384
+HK$940/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$30,888/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$16,168
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,602
−HK$439/mo
Today · 4.125%
HK$17,041
baseline
▲ 0.50% · 4.625%
HK$17,940
+HK$899/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$34,082/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).