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$8,062
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,312
−HK$255/mo
Today · 4.125%
HK$8,567
baseline
▲ 0.50% · 4.625%
HK$9,089
+HK$522/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,134/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$8,969
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,209
−HK$244/mo
Today · 4.125%
HK$9,453
baseline
▲ 0.50% · 4.625%
HK$9,951
+HK$498/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,906/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$9,674
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,975
−HK$306/mo
Today · 4.125%
HK$10,281
baseline
▲ 0.50% · 4.625%
HK$10,906
+HK$625/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,562/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$10,762
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,051
−HK$293/mo
Today · 4.125%
HK$11,344
baseline
▲ 0.50% · 4.625%
HK$11,942
+HK$598/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,688/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$11,286
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,637
−HK$357/mo
Today · 4.125%
HK$11,994
baseline
▲ 0.50% · 4.625%
HK$12,724
+HK$730/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,988/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$12,556
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,893
−HK$341/mo
Today · 4.125%
HK$13,234
baseline
▲ 0.50% · 4.625%
HK$13,932
+HK$698/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,468/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$14,511
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,962
−HK$459/mo
Today · 4.125%
HK$15,421
baseline
▲ 0.50% · 4.625%
HK$16,359
+HK$938/mo
Deposit HK$354K · loan HK$3.18M · min. income ≈ HK$30,842/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$16,143
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,576
−HK$440/mo
Today · 4.125%
HK$17,016
baseline
▲ 0.50% · 4.625%
HK$17,912
+HK$896/mo
Deposit HK$354K · loan HK$3.18M · min. income ≈ HK$34,032/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).