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$8,072
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,323
−HK$255/mo
Today · 4.125%
HK$8,578
baseline
▲ 0.50% · 4.625%
HK$9,100
+HK$522/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,156/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$8,980
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,221
−HK$244/mo
Today · 4.125%
HK$9,465
baseline
▲ 0.50% · 4.625%
HK$9,964
+HK$499/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,930/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$9,687
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,988
−HK$306/mo
Today · 4.125%
HK$10,294
baseline
▲ 0.50% · 4.625%
HK$10,920
+HK$626/mo
Deposit HK$1.42M · loan HK$2.12M · min. income ≈ HK$20,588/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$10,776
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,065
−HK$293/mo
Today · 4.125%
HK$11,358
baseline
▲ 0.50% · 4.625%
HK$11,957
+HK$599/mo
Deposit HK$1.42M · loan HK$2.12M · min. income ≈ HK$22,716/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$11,301
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,652
−HK$358/mo
Today · 4.125%
HK$12,010
baseline
▲ 0.50% · 4.625%
HK$12,740
+HK$730/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,020/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$12,572
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,909
−HK$342/mo
Today · 4.125%
HK$13,251
baseline
▲ 0.50% · 4.625%
HK$13,950
+HK$699/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,502/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$14,530
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,982
−HK$459/mo
Today · 4.125%
HK$15,441
baseline
▲ 0.50% · 4.625%
HK$16,380
+HK$939/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$30,882/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$16,164
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,598
−HK$440/mo
Today · 4.125%
HK$17,038
baseline
▲ 0.50% · 4.625%
HK$17,936
+HK$898/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$34,076/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).