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$8,051
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,302
−HK$254/mo
Today · 4.125%
HK$8,556
baseline
▲ 0.50% · 4.625%
HK$9,077
+HK$521/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,112/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$8,957
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,197
−HK$244/mo
Today · 4.125%
HK$9,441
baseline
▲ 0.50% · 4.625%
HK$9,939
+HK$498/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,882/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$9,662
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,962
−HK$306/mo
Today · 4.125%
HK$10,268
baseline
▲ 0.50% · 4.625%
HK$10,892
+HK$624/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,536/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$10,748
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,037
−HK$292/mo
Today · 4.125%
HK$11,329
baseline
▲ 0.50% · 4.625%
HK$11,926
+HK$597/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,658/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$11,272
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,623
−HK$356/mo
Today · 4.125%
HK$11,979
baseline
▲ 0.50% · 4.625%
HK$12,708
+HK$729/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,958/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$12,540
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,876
−HK$341/mo
Today · 4.125%
HK$13,217
baseline
▲ 0.50% · 4.625%
HK$13,914
+HK$697/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,434/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$14,492
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,943
−HK$458/mo
Today · 4.125%
HK$15,401
baseline
▲ 0.50% · 4.625%
HK$16,338
+HK$937/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$30,802/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$16,123
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,555
−HK$439/mo
Today · 4.125%
HK$16,994
baseline
▲ 0.50% · 4.625%
HK$17,890
+HK$896/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$33,988/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).