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$8,078
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,329
−HK$256/mo
Today · 4.125%
HK$8,585
baseline
▲ 0.50% · 4.625%
HK$9,107
+HK$522/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,170/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$8,987
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,228
−HK$244/mo
Today · 4.125%
HK$9,472
baseline
▲ 0.50% · 4.625%
HK$9,971
+HK$499/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,944/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$9,694
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,995
−HK$306/mo
Today · 4.125%
HK$10,301
baseline
▲ 0.50% · 4.625%
HK$10,928
+HK$627/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,602/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$10,784
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,073
−HK$294/mo
Today · 4.125%
HK$11,367
baseline
▲ 0.50% · 4.625%
HK$11,966
+HK$599/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,734/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$11,309
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,661
−HK$357/mo
Today · 4.125%
HK$12,018
baseline
▲ 0.50% · 4.625%
HK$12,750
+HK$732/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,036/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$12,581
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,919
−HK$342/mo
Today · 4.125%
HK$13,261
baseline
▲ 0.50% · 4.625%
HK$13,960
+HK$699/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,522/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$14,540
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,993
−HK$459/mo
Today · 4.125%
HK$15,452
baseline
▲ 0.50% · 4.625%
HK$16,392
+HK$940/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$30,904/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$16,176
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,610
−HK$440/mo
Today · 4.125%
HK$17,050
baseline
▲ 0.50% · 4.625%
HK$17,949
+HK$899/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$34,100/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).