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$8,093
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,345
−HK$255/mo
Today · 4.125%
HK$8,600
baseline
▲ 0.50% · 4.625%
HK$9,124
+HK$524/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,200/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$9,003
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,245
−HK$245/mo
Today · 4.125%
HK$9,490
baseline
▲ 0.50% · 4.625%
HK$9,990
+HK$500/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,980/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$9,711
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,014
−HK$306/mo
Today · 4.125%
HK$10,320
baseline
▲ 0.50% · 4.625%
HK$10,948
+HK$628/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,640/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$10,804
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,094
−HK$294/mo
Today · 4.125%
HK$11,388
baseline
▲ 0.50% · 4.625%
HK$11,988
+HK$600/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,776/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$11,330
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,682
−HK$359/mo
Today · 4.125%
HK$12,041
baseline
▲ 0.50% · 4.625%
HK$12,773
+HK$732/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,082/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$12,605
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,943
−HK$343/mo
Today · 4.125%
HK$13,286
baseline
▲ 0.50% · 4.625%
HK$13,986
+HK$700/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,572/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$14,567
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,020
−HK$461/mo
Today · 4.125%
HK$15,481
baseline
▲ 0.50% · 4.625%
HK$16,423
+HK$942/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$30,962/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$16,206
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,641
−HK$440/mo
Today · 4.125%
HK$17,081
baseline
▲ 0.50% · 4.625%
HK$17,982
+HK$901/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$34,162/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).