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$8,030
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,280
−HK$254/mo
Today · 4.125%
HK$8,534
baseline
▲ 0.50% · 4.625%
HK$9,053
+HK$519/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,068/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$8,934
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,173
−HK$243/mo
Today · 4.125%
HK$9,416
baseline
▲ 0.50% · 4.625%
HK$9,913
+HK$497/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,832/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$9,637
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,936
−HK$305/mo
Today · 4.125%
HK$10,241
baseline
▲ 0.50% · 4.625%
HK$10,864
+HK$623/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,482/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$10,721
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,008
−HK$292/mo
Today · 4.125%
HK$11,300
baseline
▲ 0.50% · 4.625%
HK$11,895
+HK$595/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,600/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$11,243
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,592
−HK$356/mo
Today · 4.125%
HK$11,948
baseline
▲ 0.50% · 4.625%
HK$12,675
+HK$727/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$23,896/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$12,507
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,843
−HK$340/mo
Today · 4.125%
HK$13,183
baseline
▲ 0.50% · 4.625%
HK$13,878
+HK$695/mo
Deposit HK$1.06M · loan HK$2.47M · min. income ≈ HK$26,366/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$14,455
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,904
−HK$457/mo
Today · 4.125%
HK$15,361
baseline
▲ 0.50% · 4.625%
HK$16,296
+HK$935/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,722/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$16,081
−HK$869/mo
▼ 0.25% · 3.875%
HK$16,512
−HK$438/mo
Today · 4.125%
HK$16,950
baseline
▲ 0.50% · 4.625%
HK$17,843
+HK$893/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,900/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).