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$8,049
−HK$505/mo
▼ 0.25% · 3.875%
HK$8,300
−HK$254/mo
Today · 4.125%
HK$8,554
baseline
▲ 0.50% · 4.625%
HK$9,074
+HK$520/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,108/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$8,955
−HK$483/mo
▼ 0.25% · 3.875%
HK$9,195
−HK$243/mo
Today · 4.125%
HK$9,438
baseline
▲ 0.50% · 4.625%
HK$9,936
+HK$498/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,876/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$9,659
−HK$606/mo
▼ 0.25% · 3.875%
HK$9,960
−HK$305/mo
Today · 4.125%
HK$10,265
baseline
▲ 0.50% · 4.625%
HK$10,889
+HK$624/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$20,530/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$10,746
−HK$580/mo
▼ 0.25% · 3.875%
HK$11,034
−HK$292/mo
Today · 4.125%
HK$11,326
baseline
▲ 0.50% · 4.625%
HK$11,923
+HK$597/mo
Deposit HK$1.41M · loan HK$2.12M · min. income ≈ HK$22,652/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$11,269
−HK$707/mo
▼ 0.25% · 3.875%
HK$11,619
−HK$357/mo
Today · 4.125%
HK$11,976
baseline
▲ 0.50% · 4.625%
HK$12,704
+HK$728/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,952/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$12,537
−HK$677/mo
▼ 0.25% · 3.875%
HK$12,873
−HK$341/mo
Today · 4.125%
HK$13,214
baseline
▲ 0.50% · 4.625%
HK$13,910
+HK$696/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,428/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$14,489
−HK$908/mo
▼ 0.25% · 3.875%
HK$14,939
−HK$458/mo
Today · 4.125%
HK$15,397
baseline
▲ 0.50% · 4.625%
HK$16,334
+HK$937/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$30,794/mo (50% DSR)
Upfront cash ≈ HK$353K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,118
−HK$871/mo
▼ 0.25% · 3.875%
HK$16,551
−HK$438/mo
Today · 4.125%
HK$16,989
baseline
▲ 0.50% · 4.625%
HK$17,885
+HK$896/mo
Deposit HK$353K · loan HK$3.18M · min. income ≈ HK$33,978/mo (50% DSR)
Upfront cash ≈ HK$353K (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).