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$8,019
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,268
−HK$254/mo
Today · 4.125%
HK$8,522
baseline
▲ 0.50% · 4.625%
HK$9,040
+HK$518/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,044/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,921
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,160
−HK$243/mo
Today · 4.125%
HK$9,403
baseline
▲ 0.50% · 4.625%
HK$9,899
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,806/mo (50% DSR)
Upfront cash ≈ HK$1.76M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,623
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,922
−HK$304/mo
Today · 4.125%
HK$10,226
baseline
▲ 0.50% · 4.625%
HK$10,848
+HK$622/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,452/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$10,705
−HK$579/mo
▼ 0.25% · 3.875%
HK$10,992
−HK$292/mo
Today · 4.125%
HK$11,284
baseline
▲ 0.50% · 4.625%
HK$11,878
+HK$594/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,568/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$11,227
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,576
−HK$355/mo
Today · 4.125%
HK$11,931
baseline
▲ 0.50% · 4.625%
HK$12,657
+HK$726/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$23,862/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$12,489
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,824
−HK$340/mo
Today · 4.125%
HK$13,164
baseline
▲ 0.50% · 4.625%
HK$13,858
+HK$694/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$26,328/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$14,434
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,883
−HK$456/mo
Today · 4.125%
HK$15,339
baseline
▲ 0.50% · 4.625%
HK$16,273
+HK$934/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,678/mo (50% DSR)
Upfront cash ≈ HK$352K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,058
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,489
−HK$436/mo
Today · 4.125%
HK$16,925
baseline
▲ 0.50% · 4.625%
HK$17,818
+HK$893/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,850/mo (50% DSR)
Upfront cash ≈ HK$352K (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).