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$8,077
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,328
−HK$255/mo
Today · 4.125%
HK$8,583
baseline
▲ 0.50% · 4.625%
HK$9,105
+HK$522/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,166/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$8,985
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,226
−HK$245/mo
Today · 4.125%
HK$9,471
baseline
▲ 0.50% · 4.625%
HK$9,970
+HK$499/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,942/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$9,692
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,994
−HK$306/mo
Today · 4.125%
HK$10,300
baseline
▲ 0.50% · 4.625%
HK$10,927
+HK$627/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,600/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$10,782
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,072
−HK$293/mo
Today · 4.125%
HK$11,365
baseline
▲ 0.50% · 4.625%
HK$11,964
+HK$599/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,730/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$11,307
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,659
−HK$357/mo
Today · 4.125%
HK$12,016
baseline
▲ 0.50% · 4.625%
HK$12,748
+HK$732/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,032/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$12,579
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,917
−HK$342/mo
Today · 4.125%
HK$13,259
baseline
▲ 0.50% · 4.625%
HK$13,958
+HK$699/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,518/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$14,538
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,990
−HK$460/mo
Today · 4.125%
HK$15,450
baseline
▲ 0.50% · 4.625%
HK$16,390
+HK$940/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$30,900/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$16,174
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,607
−HK$440/mo
Today · 4.125%
HK$17,047
baseline
▲ 0.50% · 4.625%
HK$17,946
+HK$899/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$34,094/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).