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$8,082
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,333
−HK$256/mo
Today · 4.125%
HK$8,589
baseline
▲ 0.50% · 4.625%
HK$9,111
+HK$522/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,178/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$8,991
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,232
−HK$245/mo
Today · 4.125%
HK$9,477
baseline
▲ 0.50% · 4.625%
HK$9,976
+HK$499/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,954/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$9,698
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,000
−HK$307/mo
Today · 4.125%
HK$10,307
baseline
▲ 0.50% · 4.625%
HK$10,934
+HK$627/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,614/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$10,789
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,079
−HK$293/mo
Today · 4.125%
HK$11,372
baseline
▲ 0.50% · 4.625%
HK$11,972
+HK$600/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,744/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$11,315
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,667
−HK$357/mo
Today · 4.125%
HK$12,024
baseline
▲ 0.50% · 4.625%
HK$12,756
+HK$732/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,048/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$12,588
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,925
−HK$343/mo
Today · 4.125%
HK$13,268
baseline
▲ 0.50% · 4.625%
HK$13,967
+HK$699/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,536/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$14,548
−HK$912/mo
▼ 0.25% · 3.875%
HK$15,000
−HK$460/mo
Today · 4.125%
HK$15,460
baseline
▲ 0.50% · 4.625%
HK$16,401
+HK$941/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$30,920/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$16,184
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,618
−HK$440/mo
Today · 4.125%
HK$17,058
baseline
▲ 0.50% · 4.625%
HK$17,958
+HK$900/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$34,116/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).