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$8,081
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,332
−HK$256/mo
Today · 4.125%
HK$8,588
baseline
▲ 0.50% · 4.625%
HK$9,110
+HK$522/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,176/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$8,990
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,231
−HK$245/mo
Today · 4.125%
HK$9,476
baseline
▲ 0.50% · 4.625%
HK$9,975
+HK$499/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,952/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$9,697
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,999
−HK$306/mo
Today · 4.125%
HK$10,305
baseline
▲ 0.50% · 4.625%
HK$10,932
+HK$627/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,610/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$10,788
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,077
−HK$294/mo
Today · 4.125%
HK$11,371
baseline
▲ 0.50% · 4.625%
HK$11,970
+HK$599/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,742/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$11,313
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,665
−HK$358/mo
Today · 4.125%
HK$12,023
baseline
▲ 0.50% · 4.625%
HK$12,754
+HK$731/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,046/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$12,586
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,923
−HK$343/mo
Today · 4.125%
HK$13,266
baseline
▲ 0.50% · 4.625%
HK$13,965
+HK$699/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,532/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$14,546
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,998
−HK$460/mo
Today · 4.125%
HK$15,458
baseline
▲ 0.50% · 4.625%
HK$16,398
+HK$940/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$30,916/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$16,182
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,616
−HK$440/mo
Today · 4.125%
HK$17,056
baseline
▲ 0.50% · 4.625%
HK$17,955
+HK$899/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$34,112/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).