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$8,090
−HK$508/mo
▼ 0.25% · 3.875%
HK$8,342
−HK$256/mo
Today · 4.125%
HK$8,598
baseline
▲ 0.50% · 4.625%
HK$9,121
+HK$523/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$17,196/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$9,000
−HK$487/mo
▼ 0.25% · 3.875%
HK$9,242
−HK$245/mo
Today · 4.125%
HK$9,487
baseline
▲ 0.50% · 4.625%
HK$9,987
+HK$500/mo
Deposit HK$1.77M · loan HK$1.77M · min. income ≈ HK$18,974/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$9,708
−HK$609/mo
▼ 0.25% · 3.875%
HK$10,010
−HK$307/mo
Today · 4.125%
HK$10,317
baseline
▲ 0.50% · 4.625%
HK$10,945
+HK$628/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$20,634/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$10,800
−HK$584/mo
▼ 0.25% · 3.875%
HK$11,090
−HK$294/mo
Today · 4.125%
HK$11,384
baseline
▲ 0.50% · 4.625%
HK$11,984
+HK$600/mo
Deposit HK$1.42M · loan HK$2.13M · min. income ≈ HK$22,768/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$11,326
−HK$711/mo
▼ 0.25% · 3.875%
HK$11,679
−HK$358/mo
Today · 4.125%
HK$12,037
baseline
▲ 0.50% · 4.625%
HK$12,769
+HK$732/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$24,074/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$12,601
−HK$680/mo
▼ 0.25% · 3.875%
HK$12,938
−HK$343/mo
Today · 4.125%
HK$13,281
baseline
▲ 0.50% · 4.625%
HK$13,981
+HK$700/mo
Deposit HK$1.06M · loan HK$2.48M · min. income ≈ HK$26,562/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$14,563
−HK$913/mo
▼ 0.25% · 3.875%
HK$15,016
−HK$460/mo
Today · 4.125%
HK$15,476
baseline
▲ 0.50% · 4.625%
HK$16,417
+HK$941/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$30,952/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$16,201
−HK$875/mo
▼ 0.25% · 3.875%
HK$16,635
−HK$441/mo
Today · 4.125%
HK$17,076
baseline
▲ 0.50% · 4.625%
HK$17,976
+HK$900/mo
Deposit HK$355K · loan HK$3.19M · min. income ≈ HK$34,152/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).