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$8,090
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,342
−HK$255/mo
Today · 4.125%
HK$8,597
baseline
▲ 0.50% · 4.625%
HK$9,120
+HK$523/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,194/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$9,000
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,241
−HK$245/mo
Today · 4.125%
HK$9,486
baseline
▲ 0.50% · 4.625%
HK$9,986
+HK$500/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,972/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$9,708
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,010
−HK$307/mo
Today · 4.125%
HK$10,317
baseline
▲ 0.50% · 4.625%
HK$10,944
+HK$627/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,634/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$10,800
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,090
−HK$293/mo
Today · 4.125%
HK$11,383
baseline
▲ 0.50% · 4.625%
HK$11,983
+HK$600/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,766/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$11,326
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,678
−HK$358/mo
Today · 4.125%
HK$12,036
baseline
▲ 0.50% · 4.625%
HK$12,768
+HK$732/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,072/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$12,600
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,938
−HK$343/mo
Today · 4.125%
HK$13,281
baseline
▲ 0.50% · 4.625%
HK$13,981
+HK$700/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,562/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$14,562
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,015
−HK$460/mo
Today · 4.125%
HK$15,475
baseline
▲ 0.50% · 4.625%
HK$16,417
+HK$942/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$30,950/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$16,200
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,634
−HK$441/mo
Today · 4.125%
HK$17,075
baseline
▲ 0.50% · 4.625%
HK$17,975
+HK$900/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$34,150/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).