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$8,075
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,327
−HK$255/mo
Today · 4.125%
HK$8,582
baseline
▲ 0.50% · 4.625%
HK$9,104
+HK$522/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,164/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$8,984
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,225
−HK$244/mo
Today · 4.125%
HK$9,469
baseline
▲ 0.50% · 4.625%
HK$9,968
+HK$499/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,938/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$9,690
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,992
−HK$306/mo
Today · 4.125%
HK$10,298
baseline
▲ 0.50% · 4.625%
HK$10,925
+HK$627/mo
Deposit HK$1.42M · loan HK$2.12M · min. income ≈ HK$20,596/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$10,781
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,070
−HK$293/mo
Today · 4.125%
HK$11,363
baseline
▲ 0.50% · 4.625%
HK$11,962
+HK$599/mo
Deposit HK$1.42M · loan HK$2.12M · min. income ≈ HK$22,726/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$11,306
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,657
−HK$358/mo
Today · 4.125%
HK$12,015
baseline
▲ 0.50% · 4.625%
HK$12,746
+HK$731/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,030/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$12,577
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,915
−HK$342/mo
Today · 4.125%
HK$13,257
baseline
▲ 0.50% · 4.625%
HK$13,956
+HK$699/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,514/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$14,536
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,988
−HK$459/mo
Today · 4.125%
HK$15,447
baseline
▲ 0.50% · 4.625%
HK$16,387
+HK$940/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$30,894/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$16,171
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,605
−HK$440/mo
Today · 4.125%
HK$17,045
baseline
▲ 0.50% · 4.625%
HK$17,943
+HK$898/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$34,090/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).