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$8,073
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,324
−HK$255/mo
Today · 4.125%
HK$8,579
baseline
▲ 0.50% · 4.625%
HK$9,101
+HK$522/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,158/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$8,981
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,222
−HK$244/mo
Today · 4.125%
HK$9,466
baseline
▲ 0.50% · 4.625%
HK$9,965
+HK$499/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,932/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$608/mo
▼ 0.25% · 3.875%
HK$9,989
−HK$306/mo
Today · 4.125%
HK$10,295
baseline
▲ 0.50% · 4.625%
HK$10,921
+HK$626/mo
Deposit HK$1.42M · loan HK$2.12M · min. income ≈ HK$20,590/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$10,777
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,066
−HK$293/mo
Today · 4.125%
HK$11,359
baseline
▲ 0.50% · 4.625%
HK$11,958
+HK$599/mo
Deposit HK$1.42M · loan HK$2.12M · min. income ≈ HK$22,718/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$11,302
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,653
−HK$358/mo
Today · 4.125%
HK$12,011
baseline
▲ 0.50% · 4.625%
HK$12,741
+HK$730/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,022/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$12,573
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,910
−HK$343/mo
Today · 4.125%
HK$13,253
baseline
▲ 0.50% · 4.625%
HK$13,951
+HK$698/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,506/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$14,531
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,983
−HK$459/mo
Today · 4.125%
HK$15,442
baseline
▲ 0.50% · 4.625%
HK$16,382
+HK$940/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$30,884/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$16,166
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,599
−HK$440/mo
Today · 4.125%
HK$17,039
baseline
▲ 0.50% · 4.625%
HK$17,937
+HK$898/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$34,078/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).