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$8,028
−HK$503/mo
▼ 0.25% · 3.875%
HK$8,278
−HK$253/mo
Today · 4.125%
HK$8,531
baseline
▲ 0.50% · 4.625%
HK$9,050
+HK$519/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,062/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$8,931
−HK$482/mo
▼ 0.25% · 3.875%
HK$9,170
−HK$243/mo
Today · 4.125%
HK$9,413
baseline
▲ 0.50% · 4.625%
HK$9,910
+HK$497/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,826/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$9,633
−HK$604/mo
▼ 0.25% · 3.875%
HK$9,933
−HK$304/mo
Today · 4.125%
HK$10,237
baseline
▲ 0.50% · 4.625%
HK$10,860
+HK$623/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$20,474/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$10,717
−HK$579/mo
▼ 0.25% · 3.875%
HK$11,004
−HK$292/mo
Today · 4.125%
HK$11,296
baseline
▲ 0.50% · 4.625%
HK$11,891
+HK$595/mo
Deposit HK$1.41M · loan HK$2.11M · min. income ≈ HK$22,592/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$11,239
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,589
−HK$355/mo
Today · 4.125%
HK$11,944
baseline
▲ 0.50% · 4.625%
HK$12,670
+HK$726/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$23,888/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$12,503
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,839
−HK$340/mo
Today · 4.125%
HK$13,179
baseline
▲ 0.50% · 4.625%
HK$13,873
+HK$694/mo
Deposit HK$1.06M · loan HK$2.46M · min. income ≈ HK$26,358/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$14,450
−HK$906/mo
▼ 0.25% · 3.875%
HK$14,900
−HK$456/mo
Today · 4.125%
HK$15,356
baseline
▲ 0.50% · 4.625%
HK$16,291
+HK$935/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$30,712/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$16,076
−HK$868/mo
▼ 0.25% · 3.875%
HK$16,507
−HK$437/mo
Today · 4.125%
HK$16,944
baseline
▲ 0.50% · 4.625%
HK$17,837
+HK$893/mo
Deposit HK$352K · loan HK$3.17M · min. income ≈ HK$33,888/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).