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$8,069
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,320
−HK$255/mo
Today · 4.125%
HK$8,575
baseline
▲ 0.50% · 4.625%
HK$9,097
+HK$522/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,150/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$8,977
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,217
−HK$245/mo
Today · 4.125%
HK$9,462
baseline
▲ 0.50% · 4.625%
HK$9,960
+HK$498/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,924/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$9,683
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,984
−HK$306/mo
Today · 4.125%
HK$10,290
baseline
▲ 0.50% · 4.625%
HK$10,916
+HK$626/mo
Deposit HK$1.42M · loan HK$2.12M · min. income ≈ HK$20,580/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$10,772
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,061
−HK$293/mo
Today · 4.125%
HK$11,354
baseline
▲ 0.50% · 4.625%
HK$11,952
+HK$598/mo
Deposit HK$1.42M · loan HK$2.12M · min. income ≈ HK$22,708/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$11,296
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,648
−HK$357/mo
Today · 4.125%
HK$12,005
baseline
▲ 0.50% · 4.625%
HK$12,735
+HK$730/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,010/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$12,567
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,904
−HK$342/mo
Today · 4.125%
HK$13,246
baseline
▲ 0.50% · 4.625%
HK$13,944
+HK$698/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,492/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$14,524
−HK$911/mo
▼ 0.25% · 3.875%
HK$14,976
−HK$459/mo
Today · 4.125%
HK$15,435
baseline
▲ 0.50% · 4.625%
HK$16,374
+HK$939/mo
Deposit HK$354K · loan HK$3.18M · min. income ≈ HK$30,870/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$16,158
−HK$873/mo
▼ 0.25% · 3.875%
HK$16,591
−HK$440/mo
Today · 4.125%
HK$17,031
baseline
▲ 0.50% · 4.625%
HK$17,928
+HK$897/mo
Deposit HK$354K · loan HK$3.18M · min. income ≈ HK$34,062/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).