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$8,063
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,314
−HK$255/mo
Today · 4.125%
HK$8,569
baseline
▲ 0.50% · 4.625%
HK$9,091
+HK$522/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,138/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$8,971
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,211
−HK$244/mo
Today · 4.125%
HK$9,455
baseline
▲ 0.50% · 4.625%
HK$9,954
+HK$499/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,910/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$9,676
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,977
−HK$306/mo
Today · 4.125%
HK$10,283
baseline
▲ 0.50% · 4.625%
HK$10,909
+HK$626/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,566/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$10,765
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,053
−HK$293/mo
Today · 4.125%
HK$11,346
baseline
▲ 0.50% · 4.625%
HK$11,944
+HK$598/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,692/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$11,289
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,640
−HK$357/mo
Today · 4.125%
HK$11,997
baseline
▲ 0.50% · 4.625%
HK$12,727
+HK$730/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$23,994/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$12,559
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,896
−HK$341/mo
Today · 4.125%
HK$13,237
baseline
▲ 0.50% · 4.625%
HK$13,935
+HK$698/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,474/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$14,514
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,966
−HK$458/mo
Today · 4.125%
HK$15,424
baseline
▲ 0.50% · 4.625%
HK$16,363
+HK$939/mo
Deposit HK$354K · loan HK$3.18M · min. income ≈ HK$30,848/mo (50% DSR)
Upfront cash ≈ HK$354K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,147
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,580
−HK$439/mo
Today · 4.125%
HK$17,019
baseline
▲ 0.50% · 4.625%
HK$17,916
+HK$897/mo
Deposit HK$354K · loan HK$3.18M · min. income ≈ HK$34,038/mo (50% DSR)
Upfront cash ≈ HK$354K (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).