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$8,070
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,321
−HK$255/mo
Today · 4.125%
HK$8,576
baseline
▲ 0.50% · 4.625%
HK$9,098
+HK$522/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,152/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$8,978
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,219
−HK$244/mo
Today · 4.125%
HK$9,463
baseline
▲ 0.50% · 4.625%
HK$9,962
+HK$499/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,926/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$9,684
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,985
−HK$306/mo
Today · 4.125%
HK$10,291
baseline
▲ 0.50% · 4.625%
HK$10,918
+HK$627/mo
Deposit HK$1.42M · loan HK$2.12M · min. income ≈ HK$20,582/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$10,773
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,062
−HK$293/mo
Today · 4.125%
HK$11,355
baseline
▲ 0.50% · 4.625%
HK$11,954
+HK$599/mo
Deposit HK$1.42M · loan HK$2.12M · min. income ≈ HK$22,710/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$11,298
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,650
−HK$357/mo
Today · 4.125%
HK$12,007
baseline
▲ 0.50% · 4.625%
HK$12,737
+HK$730/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,014/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$12,569
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,906
−HK$342/mo
Today · 4.125%
HK$13,248
baseline
▲ 0.50% · 4.625%
HK$13,946
+HK$698/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,496/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$14,526
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,978
−HK$459/mo
Today · 4.125%
HK$15,437
baseline
▲ 0.50% · 4.625%
HK$16,376
+HK$939/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$30,874/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$16,160
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,594
−HK$439/mo
Today · 4.125%
HK$17,033
baseline
▲ 0.50% · 4.625%
HK$17,931
+HK$898/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$34,066/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).