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$8,023
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,272
−HK$254/mo
Today · 4.125%
HK$8,526
baseline
▲ 0.50% · 4.625%
HK$9,045
+HK$519/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,052/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$8,925
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,165
−HK$242/mo
Today · 4.125%
HK$9,407
baseline
▲ 0.50% · 4.625%
HK$9,903
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,814/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$9,627
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,927
−HK$304/mo
Today · 4.125%
HK$10,231
baseline
▲ 0.50% · 4.625%
HK$10,854
+HK$623/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,462/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$10,710
−HK$579/mo
▼ 0.25% · 3.875%
HK$10,998
−HK$291/mo
Today · 4.125%
HK$11,289
baseline
▲ 0.50% · 4.625%
HK$11,884
+HK$595/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,578/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$11,232
−HK$704/mo
▼ 0.25% · 3.875%
HK$11,581
−HK$355/mo
Today · 4.125%
HK$11,936
baseline
▲ 0.50% · 4.625%
HK$12,663
+HK$727/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$23,872/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$12,495
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,830
−HK$340/mo
Today · 4.125%
HK$13,170
baseline
▲ 0.50% · 4.625%
HK$13,865
+HK$695/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$26,340/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$14,441
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,890
−HK$457/mo
Today · 4.125%
HK$15,347
baseline
▲ 0.50% · 4.625%
HK$16,280
+HK$933/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,694/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$16,065
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,496
−HK$437/mo
Today · 4.125%
HK$16,933
baseline
▲ 0.50% · 4.625%
HK$17,826
+HK$893/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,866/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).