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$8,055
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,305
−HK$255/mo
Today · 4.125%
HK$8,560
baseline
▲ 0.50% · 4.625%
HK$9,081
+HK$521/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,120/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$8,961
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,201
−HK$244/mo
Today · 4.125%
HK$9,445
baseline
▲ 0.50% · 4.625%
HK$9,943
+HK$498/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,890/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$9,666
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,966
−HK$306/mo
Today · 4.125%
HK$10,272
baseline
▲ 0.50% · 4.625%
HK$10,897
+HK$625/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,544/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$10,753
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,041
−HK$293/mo
Today · 4.125%
HK$11,334
baseline
▲ 0.50% · 4.625%
HK$11,931
+HK$597/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,668/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$11,277
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,627
−HK$357/mo
Today · 4.125%
HK$11,984
baseline
▲ 0.50% · 4.625%
HK$12,713
+HK$729/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,968/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$12,545
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,882
−HK$341/mo
Today · 4.125%
HK$13,223
baseline
▲ 0.50% · 4.625%
HK$13,920
+HK$697/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,446/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$14,499
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,950
−HK$458/mo
Today · 4.125%
HK$15,408
baseline
▲ 0.50% · 4.625%
HK$16,345
+HK$937/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$30,816/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,130
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,562
−HK$439/mo
Today · 4.125%
HK$17,001
baseline
▲ 0.50% · 4.625%
HK$17,897
+HK$896/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$34,002/mo (50% DSR)
Upfront cash ≈ HK$353K (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).