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$8,082
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,334
−HK$255/mo
Today · 4.125%
HK$8,589
baseline
▲ 0.50% · 4.625%
HK$9,112
+HK$523/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,178/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$8,992
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,233
−HK$244/mo
Today · 4.125%
HK$9,477
baseline
▲ 0.50% · 4.625%
HK$9,977
+HK$500/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,954/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$9,699
−HK$608/mo
▼ 0.25% · 3.875%
HK$10,001
−HK$306/mo
Today · 4.125%
HK$10,307
baseline
▲ 0.50% · 4.625%
HK$10,934
+HK$627/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,614/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$10,790
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,079
−HK$294/mo
Today · 4.125%
HK$11,373
baseline
▲ 0.50% · 4.625%
HK$11,972
+HK$599/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,746/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$11,315
−HK$710/mo
▼ 0.25% · 3.875%
HK$11,667
−HK$358/mo
Today · 4.125%
HK$12,025
baseline
▲ 0.50% · 4.625%
HK$12,757
+HK$732/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,050/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$12,588
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,926
−HK$342/mo
Today · 4.125%
HK$13,268
baseline
▲ 0.50% · 4.625%
HK$13,968
+HK$700/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,536/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$14,548
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,001
−HK$460/mo
Today · 4.125%
HK$15,461
baseline
▲ 0.50% · 4.625%
HK$16,401
+HK$940/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$30,922/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$16,185
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,619
−HK$440/mo
Today · 4.125%
HK$17,059
baseline
▲ 0.50% · 4.625%
HK$17,958
+HK$899/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$34,118/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).