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$8,092
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,344
−HK$256/mo
Today · 4.125%
HK$8,600
baseline
▲ 0.50% · 4.625%
HK$9,123
+HK$523/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,200/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$9,003
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,244
−HK$245/mo
Today · 4.125%
HK$9,489
baseline
▲ 0.50% · 4.625%
HK$9,989
+HK$500/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,978/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$9,711
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,013
−HK$307/mo
Today · 4.125%
HK$10,320
baseline
▲ 0.50% · 4.625%
HK$10,948
+HK$628/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,640/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$10,803
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,093
−HK$294/mo
Today · 4.125%
HK$11,387
baseline
▲ 0.50% · 4.625%
HK$11,987
+HK$600/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,774/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$11,329
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,682
−HK$358/mo
Today · 4.125%
HK$12,040
baseline
▲ 0.50% · 4.625%
HK$12,772
+HK$732/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,080/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$12,604
−HK$681/mo
▼ 0.25% · 3.875%
HK$12,942
−HK$343/mo
Today · 4.125%
HK$13,285
baseline
▲ 0.50% · 4.625%
HK$13,985
+HK$700/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,570/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$14,566
−HK$914/mo
▼ 0.25% · 3.875%
HK$15,019
−HK$461/mo
Today · 4.125%
HK$15,480
baseline
▲ 0.50% · 4.625%
HK$16,421
+HK$941/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$30,960/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$16,205
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,639
−HK$441/mo
Today · 4.125%
HK$17,080
baseline
▲ 0.50% · 4.625%
HK$17,980
+HK$900/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$34,160/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).