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$8,064
−HK$506/mo
▼ 0.25% · 3.875%
HK$8,315
−HK$255/mo
Today · 4.125%
HK$8,570
baseline
▲ 0.50% · 4.625%
HK$9,092
+HK$522/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,140/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$8,971
−HK$485/mo
▼ 0.25% · 3.875%
HK$9,212
−HK$244/mo
Today · 4.125%
HK$9,456
baseline
▲ 0.50% · 4.625%
HK$9,955
+HK$499/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,912/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$9,677
−HK$607/mo
▼ 0.25% · 3.875%
HK$9,978
−HK$306/mo
Today · 4.125%
HK$10,284
baseline
▲ 0.50% · 4.625%
HK$10,910
+HK$626/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,568/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$10,766
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,055
−HK$292/mo
Today · 4.125%
HK$11,347
baseline
▲ 0.50% · 4.625%
HK$11,946
+HK$599/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,694/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$11,290
−HK$708/mo
▼ 0.25% · 3.875%
HK$11,641
−HK$357/mo
Today · 4.125%
HK$11,998
baseline
▲ 0.50% · 4.625%
HK$12,728
+HK$730/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$23,996/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$12,560
−HK$679/mo
▼ 0.25% · 3.875%
HK$12,897
−HK$342/mo
Today · 4.125%
HK$13,239
baseline
▲ 0.50% · 4.625%
HK$13,936
+HK$697/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,478/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$14,516
−HK$910/mo
▼ 0.25% · 3.875%
HK$14,967
−HK$459/mo
Today · 4.125%
HK$15,426
baseline
▲ 0.50% · 4.625%
HK$16,365
+HK$939/mo
Deposit HK$354K · loan HK$3.18M · min. income ≈ HK$30,852/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$16,149
−HK$872/mo
▼ 0.25% · 3.875%
HK$16,582
−HK$439/mo
Today · 4.125%
HK$17,021
baseline
▲ 0.50% · 4.625%
HK$17,918
+HK$897/mo
Deposit HK$354K · loan HK$3.18M · min. income ≈ HK$34,042/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).