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$8,076
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,327
−HK$256/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$485/mo
▼ 0.25% · 3.875%
HK$9,226
−HK$244/mo
Today · 4.125%
HK$9,470
baseline
▲ 0.50% · 4.625%
HK$9,969
+HK$499/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,940/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$9,691
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,993
−HK$306/mo
Today · 4.125%
HK$10,299
baseline
▲ 0.50% · 4.625%
HK$10,926
+HK$627/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,598/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$582/mo
▼ 0.25% · 3.875%
HK$11,071
−HK$293/mo
Today · 4.125%
HK$11,364
baseline
▲ 0.50% · 4.625%
HK$11,963
+HK$599/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,728/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$11,658
−HK$358/mo
Today · 4.125%
HK$12,016
baseline
▲ 0.50% · 4.625%
HK$12,747
+HK$731/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$679/mo
▼ 0.25% · 3.875%
HK$12,916
−HK$342/mo
Today · 4.125%
HK$13,258
baseline
▲ 0.50% · 4.625%
HK$13,957
+HK$699/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,516/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$14,537
−HK$912/mo
▼ 0.25% · 3.875%
HK$14,989
−HK$460/mo
Today · 4.125%
HK$15,449
baseline
▲ 0.50% · 4.625%
HK$16,389
+HK$940/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$30,898/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$16,172
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,606
−HK$440/mo
Today · 4.125%
HK$17,046
baseline
▲ 0.50% · 4.625%
HK$17,945
+HK$899/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$34,092/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).