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$8,087
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,339
−HK$255/mo
Today · 4.125%
HK$8,594
baseline
▲ 0.50% · 4.625%
HK$9,117
+HK$523/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,188/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$8,997
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,238
−HK$245/mo
Today · 4.125%
HK$9,483
baseline
▲ 0.50% · 4.625%
HK$9,983
+HK$500/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,966/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$9,705
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,007
−HK$306/mo
Today · 4.125%
HK$10,313
baseline
▲ 0.50% · 4.625%
HK$10,941
+HK$628/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,626/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$10,797
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,086
−HK$294/mo
Today · 4.125%
HK$11,380
baseline
▲ 0.50% · 4.625%
HK$11,980
+HK$600/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,760/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$11,322
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,674
−HK$358/mo
Today · 4.125%
HK$12,032
baseline
▲ 0.50% · 4.625%
HK$12,764
+HK$732/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,064/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$12,596
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,934
−HK$342/mo
Today · 4.125%
HK$13,276
baseline
▲ 0.50% · 4.625%
HK$13,976
+HK$700/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,552/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$14,557
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,010
−HK$460/mo
Today · 4.125%
HK$15,470
baseline
▲ 0.50% · 4.625%
HK$16,411
+HK$941/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$30,940/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$16,195
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,629
−HK$441/mo
Today · 4.125%
HK$17,070
baseline
▲ 0.50% · 4.625%
HK$17,969
+HK$899/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$34,140/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).