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$8,050
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,300
−HK$255/mo
Today · 4.125%
HK$8,555
baseline
▲ 0.50% · 4.625%
HK$9,075
+HK$520/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,110/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$8,955
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,196
−HK$243/mo
Today · 4.125%
HK$9,439
baseline
▲ 0.50% · 4.625%
HK$9,937
+HK$498/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,878/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$9,660
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,960
−HK$306/mo
Today · 4.125%
HK$10,266
baseline
▲ 0.50% · 4.625%
HK$10,890
+HK$624/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,532/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$10,746
−HK$581/mo
▼ 0.25% · 3.875%
HK$11,035
−HK$292/mo
Today · 4.125%
HK$11,327
baseline
▲ 0.50% · 4.625%
HK$11,924
+HK$597/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,654/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$11,270
−HK$706/mo
▼ 0.25% · 3.875%
HK$11,620
−HK$356/mo
Today · 4.125%
HK$11,976
baseline
▲ 0.50% · 4.625%
HK$12,705
+HK$729/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,952/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$12,537
−HK$678/mo
▼ 0.25% · 3.875%
HK$12,874
−HK$341/mo
Today · 4.125%
HK$13,215
baseline
▲ 0.50% · 4.625%
HK$13,911
+HK$696/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,430/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$14,490
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,940
−HK$458/mo
Today · 4.125%
HK$15,398
baseline
▲ 0.50% · 4.625%
HK$16,335
+HK$937/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$30,796/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$16,120
−HK$870/mo
▼ 0.25% · 3.875%
HK$16,552
−HK$438/mo
Today · 4.125%
HK$16,990
baseline
▲ 0.50% · 4.625%
HK$17,886
+HK$896/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$33,980/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).