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$8,050
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,301
−HK$254/mo
Today · 4.125%
HK$8,555
baseline
▲ 0.50% · 4.625%
HK$9,076
+HK$521/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,110/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$8,956
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,196
−HK$244/mo
Today · 4.125%
HK$9,440
baseline
▲ 0.50% · 4.625%
HK$9,937
+HK$497/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,880/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$9,660
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,961
−HK$305/mo
Today · 4.125%
HK$10,266
baseline
▲ 0.50% · 4.625%
HK$10,891
+HK$625/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,532/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$10,747
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,035
−HK$293/mo
Today · 4.125%
HK$11,328
baseline
▲ 0.50% · 4.625%
HK$11,925
+HK$597/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,656/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$11,270
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,621
−HK$356/mo
Today · 4.125%
HK$11,977
baseline
▲ 0.50% · 4.625%
HK$12,706
+HK$729/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,954/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$12,538
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,874
−HK$341/mo
Today · 4.125%
HK$13,215
baseline
▲ 0.50% · 4.625%
HK$13,912
+HK$697/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,430/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$14,490
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,941
−HK$458/mo
Today · 4.125%
HK$15,399
baseline
▲ 0.50% · 4.625%
HK$16,336
+HK$937/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$30,798/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$16,120
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,553
−HK$438/mo
Today · 4.125%
HK$16,991
baseline
▲ 0.50% · 4.625%
HK$17,887
+HK$896/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$33,982/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).