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$8,087
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,338
−HK$256/mo
Today · 4.125%
HK$8,594
baseline
▲ 0.50% · 4.625%
HK$9,117
+HK$523/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,188/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$8,996
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,238
−HK$244/mo
Today · 4.125%
HK$9,482
baseline
▲ 0.50% · 4.625%
HK$9,982
+HK$500/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,964/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$9,704
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,006
−HK$307/mo
Today · 4.125%
HK$10,313
baseline
▲ 0.50% · 4.625%
HK$10,940
+HK$627/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,626/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$10,796
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,085
−HK$294/mo
Today · 4.125%
HK$11,379
baseline
▲ 0.50% · 4.625%
HK$11,979
+HK$600/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,758/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$11,321
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,674
−HK$357/mo
Today · 4.125%
HK$12,031
baseline
▲ 0.50% · 4.625%
HK$12,764
+HK$733/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,062/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$12,595
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,933
−HK$342/mo
Today · 4.125%
HK$13,275
baseline
▲ 0.50% · 4.625%
HK$13,975
+HK$700/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,550/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$14,556
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,009
−HK$460/mo
Today · 4.125%
HK$15,469
baseline
▲ 0.50% · 4.625%
HK$16,410
+HK$941/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$30,938/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$16,194
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,628
−HK$440/mo
Today · 4.125%
HK$17,068
baseline
▲ 0.50% · 4.625%
HK$17,968
+HK$900/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$34,136/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).