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$8,089
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,341
−HK$256/mo
Today · 4.125%
HK$8,597
baseline
▲ 0.50% · 4.625%
HK$9,120
+HK$523/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,194/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$8,999
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,241
−HK$244/mo
Today · 4.125%
HK$9,485
baseline
▲ 0.50% · 4.625%
HK$9,985
+HK$500/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,970/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$9,707
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,009
−HK$307/mo
Today · 4.125%
HK$10,316
baseline
▲ 0.50% · 4.625%
HK$10,944
+HK$628/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,632/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$10,799
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,089
−HK$294/mo
Today · 4.125%
HK$11,383
baseline
▲ 0.50% · 4.625%
HK$11,983
+HK$600/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,766/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$11,325
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,677
−HK$358/mo
Today · 4.125%
HK$12,035
baseline
▲ 0.50% · 4.625%
HK$12,768
+HK$733/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,070/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$12,599
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,937
−HK$343/mo
Today · 4.125%
HK$13,280
baseline
▲ 0.50% · 4.625%
HK$13,980
+HK$700/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,560/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$14,561
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,014
−HK$460/mo
Today · 4.125%
HK$15,474
baseline
▲ 0.50% · 4.625%
HK$16,415
+HK$941/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$30,948/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$16,199
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,633
−HK$441/mo
Today · 4.125%
HK$17,074
baseline
▲ 0.50% · 4.625%
HK$17,974
+HK$900/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$34,148/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).