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$8,005
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,254
−HK$253/mo
Today · 4.125%
HK$8,507
baseline
▲ 0.50% · 4.625%
HK$9,024
+HK$517/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,014/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$8,905
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,144
−HK$242/mo
Today · 4.125%
HK$9,386
baseline
▲ 0.50% · 4.625%
HK$9,881
+HK$495/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,772/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$9,606
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,904
−HK$304/mo
Today · 4.125%
HK$10,208
baseline
▲ 0.50% · 4.625%
HK$10,829
+HK$621/mo
Deposit HK$1.40M · loan HK$2.11M · min. income ≈ HK$20,416/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,686
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,973
−HK$290/mo
Today · 4.125%
HK$11,263
baseline
▲ 0.50% · 4.625%
HK$11,857
+HK$594/mo
Deposit HK$1.40M · loan HK$2.11M · min. income ≈ HK$22,526/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,206
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,555
−HK$354/mo
Today · 4.125%
HK$11,909
baseline
▲ 0.50% · 4.625%
HK$12,634
+HK$725/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$23,818/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,467
−HK$674/mo
▼ 0.25% · 3.875%
HK$12,801
−HK$340/mo
Today · 4.125%
HK$13,141
baseline
▲ 0.50% · 4.625%
HK$13,833
+HK$692/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,282/mo (50% DSR)
Upfront cash ≈ HK$1.05M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,408
−HK$904/mo
▼ 0.25% · 3.875%
HK$14,856
−HK$456/mo
Today · 4.125%
HK$15,312
baseline
▲ 0.50% · 4.625%
HK$16,244
+HK$932/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,624/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,029
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,459
−HK$436/mo
Today · 4.125%
HK$16,895
baseline
▲ 0.50% · 4.625%
HK$17,786
+HK$891/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,790/mo (50% DSR)
Upfront cash ≈ HK$351K (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).