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$8,081
−HK$507/mo
▼ 0.25% · 3.875%
HK$8,333
−HK$255/mo
Today · 4.125%
HK$8,588
baseline
▲ 0.50% · 4.625%
HK$9,111
+HK$523/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,176/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$8,990
−HK$486/mo
▼ 0.25% · 3.875%
HK$9,232
−HK$244/mo
Today · 4.125%
HK$9,476
baseline
▲ 0.50% · 4.625%
HK$9,976
+HK$500/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,952/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$9,698
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,999
−HK$307/mo
Today · 4.125%
HK$10,306
baseline
▲ 0.50% · 4.625%
HK$10,933
+HK$627/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,612/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$10,789
−HK$582/mo
▼ 0.25% · 3.875%
HK$11,078
−HK$293/mo
Today · 4.125%
HK$11,371
baseline
▲ 0.50% · 4.625%
HK$11,971
+HK$600/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,742/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$11,314
−HK$709/mo
▼ 0.25% · 3.875%
HK$11,666
−HK$357/mo
Today · 4.125%
HK$12,023
baseline
▲ 0.50% · 4.625%
HK$12,755
+HK$732/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,046/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$12,587
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,924
−HK$343/mo
Today · 4.125%
HK$13,267
baseline
▲ 0.50% · 4.625%
HK$13,966
+HK$699/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,534/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$14,546
−HK$913/mo
▼ 0.25% · 3.875%
HK$14,999
−HK$460/mo
Today · 4.125%
HK$15,459
baseline
▲ 0.50% · 4.625%
HK$16,399
+HK$940/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$30,918/mo (50% DSR)
Upfront cash ≈ HK$355K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,183
−HK$874/mo
▼ 0.25% · 3.875%
HK$16,617
−HK$440/mo
Today · 4.125%
HK$17,057
baseline
▲ 0.50% · 4.625%
HK$17,956
+HK$899/mo
Deposit HK$354K · loan HK$3.19M · min. income ≈ HK$34,114/mo (50% DSR)
Upfront cash ≈ HK$355K (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).