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$8,004
−HK$502/mo
▼ 0.25% · 3.875%
HK$8,253
−HK$253/mo
Today · 4.125%
HK$8,506
baseline
▲ 0.50% · 4.625%
HK$9,023
+HK$517/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$17,012/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$8,904
−HK$481/mo
▼ 0.25% · 3.875%
HK$9,143
−HK$242/mo
Today · 4.125%
HK$9,385
baseline
▲ 0.50% · 4.625%
HK$9,880
+HK$495/mo
Deposit HK$1.76M · loan HK$1.76M · min. income ≈ HK$18,770/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$9,605
−HK$602/mo
▼ 0.25% · 3.875%
HK$9,903
−HK$304/mo
Today · 4.125%
HK$10,207
baseline
▲ 0.50% · 4.625%
HK$10,828
+HK$621/mo
Deposit HK$1.40M · loan HK$2.11M · min. income ≈ HK$20,414/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,685
−HK$577/mo
▼ 0.25% · 3.875%
HK$10,972
−HK$290/mo
Today · 4.125%
HK$11,262
baseline
▲ 0.50% · 4.625%
HK$11,856
+HK$594/mo
Deposit HK$1.40M · loan HK$2.11M · min. income ≈ HK$22,524/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,205
−HK$703/mo
▼ 0.25% · 3.875%
HK$11,554
−HK$354/mo
Today · 4.125%
HK$11,908
baseline
▲ 0.50% · 4.625%
HK$12,633
+HK$725/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$23,816/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$12,466
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,800
−HK$339/mo
Today · 4.125%
HK$13,139
baseline
▲ 0.50% · 4.625%
HK$13,832
+HK$693/mo
Deposit HK$1.05M · loan HK$2.46M · min. income ≈ HK$26,278/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$14,407
−HK$903/mo
▼ 0.25% · 3.875%
HK$14,855
−HK$455/mo
Today · 4.125%
HK$15,310
baseline
▲ 0.50% · 4.625%
HK$16,242
+HK$932/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$30,620/mo (50% DSR)
Upfront cash ≈ HK$351K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,027
−HK$866/mo
▼ 0.25% · 3.875%
HK$16,457
−HK$436/mo
Today · 4.125%
HK$16,893
baseline
▲ 0.50% · 4.625%
HK$17,784
+HK$891/mo
Deposit HK$351K · loan HK$3.16M · min. income ≈ HK$33,786/mo (50% DSR)
Upfront cash ≈ HK$351K (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).