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$8,086
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,337
−HK$256/mo
Today · 4.125%
HK$8,593
baseline
▲ 0.50% · 4.625%
HK$9,116
+HK$523/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,186/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$8,995
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,237
−HK$244/mo
Today · 4.125%
HK$9,481
baseline
▲ 0.50% · 4.625%
HK$9,981
+HK$500/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,962/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$9,703
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,005
−HK$306/mo
Today · 4.125%
HK$10,311
baseline
▲ 0.50% · 4.625%
HK$10,939
+HK$628/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,622/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$10,794
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,084
−HK$294/mo
Today · 4.125%
HK$11,378
baseline
▲ 0.50% · 4.625%
HK$11,977
+HK$599/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,756/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$11,320
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,672
−HK$358/mo
Today · 4.125%
HK$12,030
baseline
▲ 0.50% · 4.625%
HK$12,762
+HK$732/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,060/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$12,594
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,931
−HK$343/mo
Today · 4.125%
HK$13,274
baseline
▲ 0.50% · 4.625%
HK$13,974
+HK$700/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,548/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$14,554
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,007
−HK$460/mo
Today · 4.125%
HK$15,467
baseline
▲ 0.50% · 4.625%
HK$16,408
+HK$941/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$30,934/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$16,192
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,626
−HK$440/mo
Today · 4.125%
HK$17,066
baseline
▲ 0.50% · 4.625%
HK$17,966
+HK$900/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$34,132/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).