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$8,058
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,308
−HK$255/mo
Today · 4.125%
HK$8,563
baseline
▲ 0.50% · 4.625%
HK$9,084
+HK$521/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,126/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$8,964
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,205
−HK$243/mo
Today · 4.125%
HK$9,448
baseline
▲ 0.50% · 4.625%
HK$9,946
+HK$498/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,896/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$9,669
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,970
−HK$306/mo
Today · 4.125%
HK$10,276
baseline
▲ 0.50% · 4.625%
HK$10,901
+HK$625/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,552/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$10,757
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,045
−HK$293/mo
Today · 4.125%
HK$11,338
baseline
▲ 0.50% · 4.625%
HK$11,936
+HK$598/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,676/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$11,281
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,632
−HK$356/mo
Today · 4.125%
HK$11,988
baseline
▲ 0.50% · 4.625%
HK$12,718
+HK$730/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,976/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$12,550
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,886
−HK$342/mo
Today · 4.125%
HK$13,228
baseline
▲ 0.50% · 4.625%
HK$13,925
+HK$697/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,456/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$14,504
−HK$909/mo
▼ 0.25% · 3.875%
HK$14,955
−HK$458/mo
Today · 4.125%
HK$15,413
baseline
▲ 0.50% · 4.625%
HK$16,351
+HK$938/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$30,826/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$16,135
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,568
−HK$439/mo
Today · 4.125%
HK$17,007
baseline
▲ 0.50% · 4.625%
HK$17,904
+HK$897/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$34,014/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).