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$8,066
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,317
−HK$254/mo
Today · 4.125%
HK$8,571
baseline
▲ 0.50% · 4.625%
HK$9,093
+HK$522/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,142/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$8,973
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,214
−HK$244/mo
Today · 4.125%
HK$9,458
baseline
▲ 0.50% · 4.625%
HK$9,956
+HK$498/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,916/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$9,679
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,980
−HK$306/mo
Today · 4.125%
HK$10,286
baseline
▲ 0.50% · 4.625%
HK$10,912
+HK$626/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,572/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$10,768
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,056
−HK$293/mo
Today · 4.125%
HK$11,349
baseline
▲ 0.50% · 4.625%
HK$11,947
+HK$598/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,698/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$11,292
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,643
−HK$357/mo
Today · 4.125%
HK$12,000
baseline
▲ 0.50% · 4.625%
HK$12,730
+HK$730/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,000/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$12,562
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,899
−HK$342/mo
Today · 4.125%
HK$13,241
baseline
▲ 0.50% · 4.625%
HK$13,939
+HK$698/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,482/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$14,518
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,970
−HK$459/mo
Today · 4.125%
HK$15,429
baseline
▲ 0.50% · 4.625%
HK$16,367
+HK$938/mo
Deposit HK$354K · loan HK$3.18M · min. income ≈ HK$30,858/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$16,151
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,584
−HK$440/mo
Today · 4.125%
HK$17,024
baseline
▲ 0.50% · 4.625%
HK$17,921
+HK$897/mo
Deposit HK$354K · loan HK$3.18M · min. income ≈ HK$34,048/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).