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$8,063
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,313
−HK$255/mo
Today · 4.125%
HK$8,568
baseline
▲ 0.50% · 4.625%
HK$9,090
+HK$522/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,136/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$8,970
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,210
−HK$244/mo
Today · 4.125%
HK$9,454
baseline
▲ 0.50% · 4.625%
HK$9,952
+HK$498/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,908/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$9,675
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,976
−HK$306/mo
Today · 4.125%
HK$10,282
baseline
▲ 0.50% · 4.625%
HK$10,907
+HK$625/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,564/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,763
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,052
−HK$293/mo
Today · 4.125%
HK$11,345
baseline
▲ 0.50% · 4.625%
HK$11,943
+HK$598/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,690/mo (50% DSR)
Upfront cash ≈ HK$1.41M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,288
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,639
−HK$356/mo
Today · 4.125%
HK$11,995
baseline
▲ 0.50% · 4.625%
HK$12,725
+HK$730/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$23,990/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$12,557
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,894
−HK$342/mo
Today · 4.125%
HK$13,236
baseline
▲ 0.50% · 4.625%
HK$13,933
+HK$697/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,472/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$14,513
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,964
−HK$459/mo
Today · 4.125%
HK$15,423
baseline
▲ 0.50% · 4.625%
HK$16,361
+HK$938/mo
Deposit HK$354K · loan HK$3.18M · min. income ≈ HK$30,846/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$16,145
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,578
−HK$439/mo
Today · 4.125%
HK$17,017
baseline
▲ 0.50% · 4.625%
HK$17,914
+HK$897/mo
Deposit HK$354K · loan HK$3.18M · min. income ≈ HK$34,034/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).