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$8,307
−HK$255/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$8,963
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,203
−HK$244/mo
Today · 4.125%
HK$9,447
baseline
▲ 0.50% · 4.625%
HK$9,945
+HK$498/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,894/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$9,668
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,969
−HK$305/mo
Today · 4.125%
HK$10,274
baseline
▲ 0.50% · 4.625%
HK$10,899
+HK$625/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,548/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$10,755
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,044
−HK$292/mo
Today · 4.125%
HK$11,336
baseline
▲ 0.50% · 4.625%
HK$11,934
+HK$598/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,672/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$11,279
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,630
−HK$356/mo
Today · 4.125%
HK$11,986
baseline
▲ 0.50% · 4.625%
HK$12,716
+HK$730/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,972/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$12,548
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,884
−HK$342/mo
Today · 4.125%
HK$13,226
baseline
▲ 0.50% · 4.625%
HK$13,923
+HK$697/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,452/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$14,502
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,953
−HK$458/mo
Today · 4.125%
HK$15,411
baseline
▲ 0.50% · 4.625%
HK$16,349
+HK$938/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$30,822/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$16,133
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,566
−HK$439/mo
Today · 4.125%
HK$17,005
baseline
▲ 0.50% · 4.625%
HK$17,901
+HK$896/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$34,010/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).