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$8,079
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,331
−HK$255/mo
Today · 4.125%
HK$8,586
baseline
▲ 0.50% · 4.625%
HK$9,108
+HK$522/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,172/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$8,988
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,229
−HK$245/mo
Today · 4.125%
HK$9,474
baseline
▲ 0.50% · 4.625%
HK$9,973
+HK$499/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,948/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$9,695
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,997
−HK$306/mo
Today · 4.125%
HK$10,303
baseline
▲ 0.50% · 4.625%
HK$10,930
+HK$627/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,606/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$10,786
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,075
−HK$294/mo
Today · 4.125%
HK$11,369
baseline
▲ 0.50% · 4.625%
HK$11,968
+HK$599/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,738/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$11,311
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,663
−HK$357/mo
Today · 4.125%
HK$12,020
baseline
▲ 0.50% · 4.625%
HK$12,752
+HK$732/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,040/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$12,583
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,921
−HK$342/mo
Today · 4.125%
HK$13,263
baseline
▲ 0.50% · 4.625%
HK$13,962
+HK$699/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,526/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$14,543
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,995
−HK$460/mo
Today · 4.125%
HK$15,455
baseline
▲ 0.50% · 4.625%
HK$16,395
+HK$940/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$30,910/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$16,179
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,613
−HK$440/mo
Today · 4.125%
HK$17,053
baseline
▲ 0.50% · 4.625%
HK$17,952
+HK$899/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$34,106/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).