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$8,083
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,335
−HK$255/mo
Today · 4.125%
HK$8,590
baseline
▲ 0.50% · 4.625%
HK$9,113
+HK$523/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,180/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$8,993
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,234
−HK$244/mo
Today · 4.125%
HK$9,478
baseline
▲ 0.50% · 4.625%
HK$9,978
+HK$500/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,956/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$9,700
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,002
−HK$306/mo
Today · 4.125%
HK$10,308
baseline
▲ 0.50% · 4.625%
HK$10,935
+HK$627/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,616/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$10,791
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,080
−HK$294/mo
Today · 4.125%
HK$11,374
baseline
▲ 0.50% · 4.625%
HK$11,974
+HK$600/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,748/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$11,317
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,669
−HK$357/mo
Today · 4.125%
HK$12,026
baseline
▲ 0.50% · 4.625%
HK$12,758
+HK$732/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,052/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$12,590
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,927
−HK$343/mo
Today · 4.125%
HK$13,270
baseline
▲ 0.50% · 4.625%
HK$13,969
+HK$699/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,540/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$14,550
−HK$912/mo
▼ 0.25% · 3.875%
HK$15,002
−HK$460/mo
Today · 4.125%
HK$15,462
baseline
▲ 0.50% · 4.625%
HK$16,403
+HK$941/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$30,924/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$16,187
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,621
−HK$440/mo
Today · 4.125%
HK$17,061
baseline
▲ 0.50% · 4.625%
HK$17,960
+HK$899/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$34,122/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).