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$8,057
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,308
−HK$254/mo
Today · 4.125%
HK$8,562
baseline
▲ 0.50% · 4.625%
HK$9,083
+HK$521/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,124/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$8,964
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,204
−HK$244/mo
Today · 4.125%
HK$9,448
baseline
▲ 0.50% · 4.625%
HK$9,946
+HK$498/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,896/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$9,669
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,969
−HK$306/mo
Today · 4.125%
HK$10,275
baseline
▲ 0.50% · 4.625%
HK$10,900
+HK$625/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,550/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$10,756
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,045
−HK$292/mo
Today · 4.125%
HK$11,337
baseline
▲ 0.50% · 4.625%
HK$11,935
+HK$598/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,674/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$11,280
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,631
−HK$356/mo
Today · 4.125%
HK$11,987
baseline
▲ 0.50% · 4.625%
HK$12,717
+HK$730/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,974/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$12,549
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,886
−HK$341/mo
Today · 4.125%
HK$13,227
baseline
▲ 0.50% · 4.625%
HK$13,924
+HK$697/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,454/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$14,503
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,954
−HK$458/mo
Today · 4.125%
HK$15,412
baseline
▲ 0.50% · 4.625%
HK$16,350
+HK$938/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$30,824/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,134
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,567
−HK$439/mo
Today · 4.125%
HK$17,006
baseline
▲ 0.50% · 4.625%
HK$17,903
+HK$897/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$34,012/mo (50% DSR)
Upfront cash ≈ HK$353K (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).