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$8,055
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,306
−HK$254/mo
Today · 4.125%
HK$8,560
baseline
▲ 0.50% · 4.625%
HK$9,081
+HK$521/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,120/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$8,961
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,202
−HK$244/mo
Today · 4.125%
HK$9,446
baseline
▲ 0.50% · 4.625%
HK$9,943
+HK$497/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,892/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$9,666
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,967
−HK$306/mo
Today · 4.125%
HK$10,273
baseline
▲ 0.50% · 4.625%
HK$10,898
+HK$625/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,546/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$10,754
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,042
−HK$293/mo
Today · 4.125%
HK$11,335
baseline
▲ 0.50% · 4.625%
HK$11,932
+HK$597/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,670/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$11,277
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,628
−HK$357/mo
Today · 4.125%
HK$11,985
baseline
▲ 0.50% · 4.625%
HK$12,714
+HK$729/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,970/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$12,546
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,883
−HK$341/mo
Today · 4.125%
HK$13,224
baseline
▲ 0.50% · 4.625%
HK$13,921
+HK$697/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,448/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$14,500
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,951
−HK$458/mo
Today · 4.125%
HK$15,409
baseline
▲ 0.50% · 4.625%
HK$16,346
+HK$937/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$30,818/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$16,131
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,563
−HK$439/mo
Today · 4.125%
HK$17,002
baseline
▲ 0.50% · 4.625%
HK$17,898
+HK$896/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$34,004/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).