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$8,065
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,315
−HK$255/mo
Today · 4.125%
HK$8,570
baseline
▲ 0.50% · 4.625%
HK$9,092
+HK$522/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,140/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$8,972
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,212
−HK$245/mo
Today · 4.125%
HK$9,457
baseline
▲ 0.50% · 4.625%
HK$9,955
+HK$498/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,914/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$9,678
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,979
−HK$305/mo
Today · 4.125%
HK$10,284
baseline
▲ 0.50% · 4.625%
HK$10,910
+HK$626/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,568/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,766
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,055
−HK$293/mo
Today · 4.125%
HK$11,348
baseline
▲ 0.50% · 4.625%
HK$11,946
+HK$598/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,696/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,290
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,642
−HK$356/mo
Today · 4.125%
HK$11,998
baseline
▲ 0.50% · 4.625%
HK$12,729
+HK$731/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$23,996/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$12,561
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,897
−HK$342/mo
Today · 4.125%
HK$13,239
baseline
▲ 0.50% · 4.625%
HK$13,937
+HK$698/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,478/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$14,516
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,968
−HK$459/mo
Today · 4.125%
HK$15,427
baseline
▲ 0.50% · 4.625%
HK$16,365
+HK$938/mo
Deposit HK$354K · loan HK$3.18M · min. income ≈ HK$30,854/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$16,149
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,582
−HK$440/mo
Today · 4.125%
HK$17,022
baseline
▲ 0.50% · 4.625%
HK$17,919
+HK$897/mo
Deposit HK$354K · loan HK$3.18M · min. income ≈ HK$34,044/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).