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$8,018
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,267
−HK$253/mo
Today · 4.125%
HK$8,520
baseline
▲ 0.50% · 4.625%
HK$9,039
+HK$519/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,040/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$8,919
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,159
−HK$242/mo
Today · 4.125%
HK$9,401
baseline
▲ 0.50% · 4.625%
HK$9,897
+HK$496/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,802/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$9,621
−HK$603/mo
▼ 0.25% · 3.875%
HK$9,920
−HK$304/mo
Today · 4.125%
HK$10,224
baseline
▲ 0.50% · 4.625%
HK$10,847
+HK$623/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,448/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$10,703
−HK$579/mo
▼ 0.25% · 3.875%
HK$10,990
−HK$292/mo
Today · 4.125%
HK$11,282
baseline
▲ 0.50% · 4.625%
HK$11,876
+HK$594/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,564/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$11,225
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,574
−HK$354/mo
Today · 4.125%
HK$11,928
baseline
▲ 0.50% · 4.625%
HK$12,654
+HK$726/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$23,856/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$12,487
−HK$675/mo
▼ 0.25% · 3.875%
HK$12,822
−HK$340/mo
Today · 4.125%
HK$13,162
baseline
▲ 0.50% · 4.625%
HK$13,856
+HK$694/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,324/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$14,432
−HK$905/mo
▼ 0.25% · 3.875%
HK$14,881
−HK$456/mo
Today · 4.125%
HK$15,337
baseline
▲ 0.50% · 4.625%
HK$16,270
+HK$933/mo
Deposit HK$352K · loan HK$3.16M · min. income ≈ HK$30,674/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$16,055
−HK$867/mo
▼ 0.25% · 3.875%
HK$16,486
−HK$436/mo
Today · 4.125%
HK$16,922
baseline
▲ 0.50% · 4.625%
HK$17,814
+HK$892/mo
Deposit HK$352K · loan HK$3.16M · min. income ≈ HK$33,844/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).